Chemung Financial (NASDAQ: CHMG) highlights loan growth and strong credit

Q: How did Chemung Financial (CHMG) perform in the second quarter of 2026?

Chemung Financial reported Q2 2026 net income of $8.8 million and EPS of $1.82 , with return on average assets of 1.27% and return on average equity of 13.19% . Fully taxable equivalent net interest margin was 3.67% , up 7 basis points from 3.60%.

Q: What were Chemung Financial (CHMG)'s loan and deposit balances as of June 30, 2026?

Total loans reached $2.367 billion as of June 30, 2026, reflecting annualized year‑to‑date loan growth of 8.7% and commercial growth of 13.0%. Deposits were $2.364 billion , up $93.3 million , or 4.1%, from December 31, 2025, including a 9.2% rise in non‑interest‑bearing balances.

Q: How strong is Chemung Financial (CHMG)'s asset quality?

Asset quality remained solid, with non‑performing loans at 0.39% of total loans and non‑performing assets at 0.40% of total assets. The ACL‑to‑total loans ratio was 1.07% . In commercial real estate, nonaccrual balances were $2.56 million , just 0.17% of total CRE.

Q: What capital and profitability metrics did Chemung Financial (CHMG) report year-to-date 2026?

Year‑to‑date 2026 net income was $18.0 million with EPS of $3.73 , producing a return on average assets of 1.32% and return on average equity of 13.71% . Capital remained strong, including a 15.06% total risk‑based capital ratio and 12.02% CET1 ratio.

Q: What is Chemung Financial (CHMG)'s liquidity and uninsured deposit position?

Total available liquidity sources were 744,424 (dollars in thousands) as of June 30, 2026, combining FHLB capacity, bank credit lines, potential brokered deposits and unencumbered securities. Uninsured deposits were 31.5% of total deposits, including $174.2 million of public funds that are collateralized when required.

Q: How important is wealth management to Chemung Financial (CHMG)'s revenue?

Wealth management generated $6.3 million of fee income year‑to‑date 2026, up $0.5 million , or 8.1%, from the prior‑year period. The division oversees $2.5 billion of assets and contributed 49.4% of year‑to‑date non‑interest income, alongside CFS Group, Inc. revenue.

Q: What strategic initiatives is Chemung Financial (CHMG) pursuing?

Chemung Financial’s strategy emphasizes revenue growth , operating efficiencies and customer experience. Priorities include deposit initiatives, selective acquisitions, scaling wealth management, branch optimization, vendor and headcount rationalization, AI and automation projects, digital enhancements, and expanding the Canal Bank brand in Western New York, while maintaining community‑bank culture.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Chemung Financial Corporation presented second quarter 2026 performance and strategic updates, reporting net income of $8.8 million and EPS of $1.82, with return on average assets of 1.27% and return on average equity of 13.19%. The fully taxable equivalent net interest margin was 3.67%, up 7 basis points from 3.60% in the prior quarter, as the yield on interest‑earning assets rose to 5.18% while the total cost of funds remained 1.67%.

Total loans were $2.367 billion as of June 30, 2026, with annualized year‑to‑date loan growth of 8.7% and commercial loan growth of 13.0%. Deposits totaled $2.364 billion, an increase of $93.3 million, or 4.1%, from December 31, 2025, including a 9.2% increase in non‑interest‑bearing deposits. Asset quality indicators stayed favorable, with non‑performing loans at 0.39% of total loans and the ACL‑to‑total loans ratio at 1.07%.

Management described the effects of a 2025 balance sheet restructuring, including $234.8 million of loan growth and a $65.4 million reduction in higher‑cost wholesale funding since June 30, 2025. Year‑to‑date 2026 net income was $18.0 million and EPS $3.73, with net interest margin at 3.63% and return on average equity at 13.71%. Wealth management fee income totaled $6.3 million year to date, an increase of $0.5 million, or 8.1%, over the same period in the prior year. Total liquidity sources were 744,424 (dollars in thousands), and uninsured deposits were 31.5% of total deposits, including collateralized public funds.

Filing Explained

The filing adds no new ownership transaction; it reports a pending charter conversion and historical repurchase activity while furnishing the investor presentation.

This Form 8-K furnishes an investor presentation for meetings planned in the third quarter of 2026; it records a communications disclosure, while the presentation says the charter conversion remains pending rather than completed.

A Form 8-K reports specified material events, and Item 7.01 presentation material is furnished rather than treated as filed under Section 18 or incorporated by reference.

The presentation reports conditional OCC approval for conversion from a New York-chartered trust company to a national bank, but provides no completion date, so the conversion has not yet changed the company's disclosed structural state.

It also reports a 250,000-share repurchase program announced in January 2021 and 49,184 shares repurchased as of June 30, 2026; these are historical figures, not a new repurchase announcement in this filing.

The named unresolved item to monitor is the charter conversion: confirmation of completion would resolve the status that this presentation leaves pending.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Q2 2026 Net Income: $8.8 million Q2 2026 EPS: $1.82 Q2 2026 Net Interest Margin: 3.67% +5 more

8 metrics

Q2 2026 Net Income $8.8 million Net income for the second quarter of 2026

Q2 2026 EPS $1.82 Diluted earnings per share for the second quarter of 2026

Q2 2026 Net Interest Margin 3.67% Fully taxable equivalent net interest margin for the second quarter of 2026

Total Loans $2.367 billion Total loans outstanding as of June 30, 2026

Total Deposits $2.364B Q2 2026 deposits, up $93.3 million or 4.1% from December 31, 2025

Non-performing Loans Ratio 0.39% Non-performing loans as a percentage of total loans as of June 30, 2026

YTD 2026 Net Income $18.0 million Year-to-date 2026 net income through June 30, 2026

Total Liquidity Sources $744,424 Total sources of liquidity as of June 30, 2026, dollars in thousands

Key Terms

ACL, Tier 1 capital, nonaccrual, efficiency ratio, +2 more

6 terms

ACL financial

"ACL-to-total loans 1.07%"

Tier 1 capital financial

"Bank-Level Tier 1 Capital and ACL"

Tier 1 capital is a bank’s core financial cushion—mainly common stock, retained earnings and certain reserves—that can absorb losses while the bank keeps operating. Investors care because it signals a lender’s ability to survive stress, meet regulatory requirements and continue lending or paying dividends; think of it as the engine’s safety margin that keeps a car running through bumps in the road.

nonaccrual financial

"$2.56 million / 0.17% of total CRE Nonaccrual"

A nonaccrual asset is a loan or investment that a lender stops counting as earning interest because the borrower is not making scheduled payments or the lender doubts future payments. Think of it like putting a subscription on hold when you stop receiving payments; it reduces reported income and signals a higher risk that the lender may not get repaid, which can affect a bank's profits and the value of its loan portfolio.

efficiency ratio financial

"Efficiency ratio (adjusted) is non-interest expense..."

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

brokered deposits financial

"No brokered deposits as of June 30, 2026"

Brokered deposits are large sums of customer cash placed at a bank through a third-party intermediary that shops around for the best interest rate, like a broker assembling a big bucket of savings and directing it to a bank. They matter to investors because they can quickly change a bank’s funding level and cost — providing fast liquidity but also adding volatility and regulatory scrutiny that can affect a bank’s stability and profitability.

uninsured deposits financial

"Uninsured Deposits to Total Deposits (1) 31.5%"

Uninsured deposits are customer funds held at a bank that exceed the amount protected by a government-backed deposit insurance program, meaning they would not be automatically reimbursed if the bank fails. For investors, the level of uninsured deposits signals how vulnerable a bank is to sudden withdrawals and depositor losses—high uninsured exposure can increase liquidity risk, contagion concerns, and potential losses for creditors and equity holders.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 07/27/2026 - 01:31 PM Accepted by SEC EDGAR 07/27/2026 - 01:30 PM

FAQ

How did Chemung Financial (CHMG) perform in the second quarter of 2026?

Chemung Financial reported Q2 2026 net income of $8.8 million and EPS of $1.82, with return on average assets of 1.27% and return on average equity of 13.19%. Fully taxable equivalent net interest margin was 3.67%, up 7 basis points from 3.60%.

What were Chemung Financial (CHMG)'s loan and deposit balances as of June 30, 2026?

Total loans reached $2.367 billion as of June 30, 2026, reflecting annualized year‑to‑date loan growth of 8.7% and commercial growth of 13.0%. Deposits were $2.364 billion, up $93.3 million, or 4.1%, from December 31, 2025, including a 9.2% rise in non‑interest‑bearing balances.

How strong is Chemung Financial (CHMG)'s asset quality?

Asset quality remained solid, with non‑performing loans at 0.39% of total loans and non‑performing assets at 0.40% of total assets. The ACL‑to‑total loans ratio was 1.07%. In commercial real estate, nonaccrual balances were $2.56 million, just 0.17% of total CRE.

What capital and profitability metrics did Chemung Financial (CHMG) report year-to-date 2026?

Year‑to‑date 2026 net income was $18.0 million with EPS of $3.73, producing a return on average assets of 1.32% and return on average equity of 13.71%. Capital remained strong, including a 15.06% total risk‑based capital ratio and 12.02% CET1 ratio.

What is Chemung Financial (CHMG)'s liquidity and uninsured deposit position?

Total available liquidity sources were 744,424 (dollars in thousands) as of June 30, 2026, combining FHLB capacity, bank credit lines, potential brokered deposits and unencumbered securities. Uninsured deposits were 31.5% of total deposits, including $174.2 million of public funds that are collateralized when required.

How important is wealth management to Chemung Financial (CHMG)'s revenue?

Wealth management generated $6.3 million of fee income year‑to‑date 2026, up $0.5 million, or 8.1%, from the prior‑year period. The division oversees $2.5 billion of assets and contributed 49.4% of year‑to‑date non‑interest income, alongside CFS Group, Inc. revenue.

What strategic initiatives is Chemung Financial (CHMG) pursuing?

Chemung Financial’s strategy emphasizes revenue growth, operating efficiencies and customer experience. Priorities include deposit initiatives, selective acquisitions, scaling wealth management, branch optimization, vendor and headcount rationalization, AI and automation projects, digital enhancements, and expanding the Canal Bank brand in Western New York, while maintaining community‑bank culture.

UNITED STATES OF AMERICA

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 27, 2026 (July 27, 2026)

CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

New York	001-35741	16-1237038
(State or other jurisdiction	(Commission File Number)	(IRS Employer
of incorporation)		Identification No.)

One Chemung Canal Plaza, Elmira, NY 14901

(Address of principal executive offices) (Zip Code)

(607) 737-3711

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Exchange Act:

Title of each class		Trading symbol		Name of exchange on which registered
Common stock, par value $0.01 per share		CHMG		The Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 7.01

Regulation FD Disclosure

The management of Chemung Financial Corporation (the “Corporation”) intends to participate in meetings with interested parties, which may include institutional investors and others, during the third quarter of 2026 to discuss the Corporation’s strategies, recent performance, and trends. Anders M. Tomson, Chief Executive Officer, and Dale M. McKim III, Chief Financial Officer and Treasurer, are expected to present at such meetings.

The investor presentation prepared by the Corporation for use in these meetings is available on the Corporation’s website at www.chemungcanal.com under Investor Relations and “Investor Presentation.” Investors should note that the Corporation announces material information in Securities and Exchange Commission (the “SEC”) filings and press releases. Based on guidance from the SEC, the Corporation may also use the Investor Relations section of its corporate website, www.chemungcanal.com, to communicate with investors about the Corporation. It is possible that the information posted there could be deemed to be material information. The information on the Corporation’s website is not incorporated by reference into this Current Report on Form 8-K.

This investor presentation is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.

The investor presentation is furnished as Exhibit 99.1 to this report.

ITEM 9.01

Financial Statements and Exhibits

(d)

Exhibits

Exhibit No.

99.1		Second Quarter 2026 Investor Presentation

104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

	CHEMUNG FINANCIAL CORPORATION


July 27, 2026	By:	/s/ Dale M. McKim, III
		Dale M. McKim, III
		Chief Financial Officer and Treasurer

Exhibit 99.1

Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Chemung Financial Corporation With You Today 2 Anders Tomson President & Chief Executive Officer Dale McKim Executive Vice President & Chief Financial Officer

Chemung Financial Corporation Safe Harbor Statement Forward - looking Statements: This report contains forward - looking statements within the meaning of Section 27A of the Securities Act. The Corporation intends its forward - looking statements to be covered by the safe harbor provisions for forward - looking statements in these sections. All statements regarding the Corporation’s expected financial position and operating results, the Corporation’s business strategy, the Corporation’s financial plans, forecasted demographic and economic trends relating to the Corporation’s industry and similar matters are forward - looking statements. These statements can sometimes be identified by the Corporation’s use of forward - looking words such as “may,” “will,” “anticipate,” “estimate,” “expect,” or “intend.” The Corporation's actual results could be materially different from expectations because of various factors, including changes in economic conditions or interest rates, credit risk, inflation, tariffs, cybersecurity risks, difficulties in managing the Corporation’s growth, recent bank failures, changes in FDIC assessments, public health issues, geopolitical conflicts, competition, changes in law or the regulatory environment, and changes in general business and economic trends. Information concerning these and other factors, including Risk Factors, can be found in the Corporation’s periodic filings with the SEC, including the discussion under the heading “Item 1A. Risk Factors” in the Corporation’s 2025 Annual Report on Form 10 - K. These filings are available publicly on the SEC’s web site at http://www.sec.gov , on the Corporation's web site at http://www.chemungcanal.com or upon request from the Corporate Secretary at (607) 737 - 3746. Except as otherwise required by law, the Corporation undertakes no obligation to publicly update or revise its forward - looking statements, whether as a result of new information, future events, or otherwise. 3

Chemung Financial Corporation Key Takeaways 4 Second Quarter 2026 Investor Presentation Continued strength and momentum in underlying businesses Core spread - based improvement complemented by stable wealth management revenue Stable deposit base and ample liquidity Majority of deposits sourced from stable, legacy markets. Strategic balance sheet restructuring driving enhanced earnings Support growth strategies and improve funding profile. Valuable wealth management business High touch relationships with affluent borrowers provides dependable non - interest income stream. Solid and stable credit quality Consistently low non - performing assets and charge - offs. Contiguous geographic expansion Expansion of the franchise in higher growth markets of Albany and Buffalo.

About Us Elmira, Albany, Buffalo, NY 5

Chemung Financial Corporation Oldest locally owned and managed community bank in New York State, dating to 1833. Subsidiary bank - Chemung Canal Trust Company - operates with 30 branches over 14 counties in New York and Pennsylvania. Operating as Capital Bank in Albany, New York market and Canal Bank in Buffalo, New York market. Trust and Wealth Management division with $2.5 bn in assets under management or administration. Conditionally approved by OCC to convert state charter in New York to national charter. Listed on NASDAQ Global Select (Ticker: CHMG) Market Capitalization of $360.8 million at June 30, 2026 About Us 6 History Operations Legal & Market 6 Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Revenue Growth ▪ Deposit initiatives focusing and enhancing growth in identified verticals. ▪ Well positioned to opportunistically acquire when operational model and pricing is right. Seeking wealth management, whole bank or branch opportunities. ▪ Continue scaling the wealth management practice, with a focus on the Western New York market. ▪ Fee and pricing discipline. Operating Efficiencies ▪ Continual evaluation of branch distribution model. ▪ Optimization of vendor contracts. ▪ Rationalization of headcount and outsourcing opportunities. ▪ Robotic Process Automation and Artificial Intelligence. Customer Experience and Brand ▪ Growth of Canal Bank brand in Western New York. ▪ Introduction of enhanced digital experience. ▪ Relationship focus. Colleagues and Community ▪ Believe and behave like a community bank. ▪ Recognized community partner within our markets. ▪ Incentive compensation plans to maintain competitiveness and drive the strategy. Core Strategies 7

Chemung Financial Corporation Second Quarter 2026 Highlights 8 EPS $1.82 Net Income $8.8 million ROAA 1.27% ROAE 13.19% Net Interest Margin 3.67% ACL - to - total loans 1.07% Non - performing loans - to - total loans 0.39% Performance Ratios 8 Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Second Quarter 2026 Highlights 9 ▪ YTD net income of $18.0 million and EPS of $3.73 ▪ QTD net income of $8.8 million and EPS of $1.82 for the second quarter ▪ Net interest margin increased 7 bps quarter over quarter, from 3.60% to 3.67% ▪ Yield on interest - earning assets increased 5 bps to 5.18% ▪ Cost of funds unchanged at 1.67% ▪ Quarterly dividend increased $0.03 per share during 2025, or 9.7% to $0.34 ▪ Pending charter conversion from New York chartered trust company to a national bank ▪ Annualized loan growth of 8.7% YTD, including annualized commercial loan growth of 13.0% ▪ Deposit growth of $93.3 million, or 4.1%, compared to December 31, 2025, including increase of $57.4 million, or 9.2%, in non - interest bearing deposits ▪ Growth of $0.5 million, or 8.1%, YTD in wealth management group fee income compared to same period in prior year, totaling $6.3 million 9 Second Quarter 2026 Investor Presentation June 30, 2026 figures unaudited. Refer to the GAAP - to - Non - GAAP Reconciliation on slide 51.

Chemung Financial Corporation CHMG - Market Indicators 10 Total Shareholder Return Second Quarter 2026 Investor Presentation 92.74% 110.02% 57.57% 44.44% 86.37% 28.27% Five Year Three Year One Year Tangible Book Value 1.20 1.15 1.45 1.34 1.21 1.00 1.10 1.20 1.30 1.40 1.50 2024 2025 Q2 2026 8.60 10.30 10.72 11.78 10.11 5.00 10.00 15.00 2024 2025 Q2 2026 Chemung Financial Peer Group** Price to Earnings (TTM) *Second quarter 2025 earnings figures adjusted, refer GAAP to Non - GAAP reconciliation in 2025 10 - Q filed August 7, 2025 **Peer group as defined in the Corporation’s Proxy Statement Pursuant to Section 14(a) filed April 23, 2026. Peer group data not available as of July 23, 2026 88.62% 32.03% 17.32% 49.61% 18.88% 5.55% Five Year Three Year One Year ABA NASDAQ Community Bank Index (XABQ) Chemung Financial June 30, 2026 December 31, 2025

Chemung Financial Corporation Balance Sheet Restructuring and Subordinated Debt Raise 11 Second Quarter 2026 Investor Presentation Transaction Overview: Balance Sheet Optimization ▪ Sold ~$245M+ of low yielding AFS securities (Book Value) in June 2025 ▪ Pre - Tax Loss: ~$17.5M ▪ Average Yield on Securities Sold: ~2% ▪ WAL of Securities Sold: ~3 Yrs ▪ Allocate proceeds toward: ▪ Paying down liabilities (since June 30, 2025, reduced higher cost wholesale funding by $65.4 million) ▪ Funding loan growth (since June 30, 2025, grew loans by $234.8 million) Subordinated Debt ▪ Raised $45M of subordinated debt to support key capital ratios Rationale ▪ Replace low yielding assets and run off expensive borrowings ▪ Transaction to result in improved profitability metrics; ROAA, EPS, NIM, etc. ▪ Enhanced capital position: decreased CRE ratio and increased TCE Revamped Profitability YTD Comparatives relative to Non - GAAP YTD 2025 Healthy Capital 15.06% Total Risk Based Capital Ratio 12.02% CET1 Ratio 394.8% Reg. CRE Ratio $3.73 YTD 2026 EPS 1.32% YTD 2026 ROAA 3.63% YTD 2026 NIM + 43 bps + 63bps Revitalized balance sheet is driving NIM expansion and enhanced earnings are further strengthening capital ratios 8.88% TCE Ratio 13.71% YTD 2026 ROAE + 269 bps + $1.16 *Second quarter 2025 earnings figures adjusted, refer GAAP to Non - GAAP reconciliation in 2025 10 - Q filed August 7, 2025

Chemung Financial Corporation Appendices 12 Corporate and Financial Highlights Background Page 13 Corporate Organization Markets and Share Management Team Community Loans Page 20 Loan Growth Portfolio Composition Commercial Portfolio Non - Performers Investments Page 33 Portfolio Composition Yield and Duration Fair Value and AOCI Deposits Page 37 Deposit Costs Deposits Composition Liquidity Performance Page 42 Net Income Trend Net Interest Margin Non - Interest Income Non - Interest Expense Expense Management Capital Management Second Quarter 2026 Investor Presentation

Background 13

Chemung Financial Corporation Corporate Organization 14 Trust and Wealth Management services Provides mutual funds, securities and insurance brokerage services through LPL Financial Banking operations in Southern Tier and Finger Lakes of New York Wealth Management Group Banking operations in the Capital District of New York Banking operations in the greater Buffalo, New York area Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Markets 15 Legacy Markets Long, deep relationships since 1833 provide stable funding and earnings engine. Steady and even economy, powered by large corporations (Corning, Inc.), higher education (Cornell University, SUNY Binghamton) and tourism. Growth Opportunity New York’s Capital and Western New York regions offer larger population centers undergoing economic renaissances. Large bank consolidation providing market disruption opportunities. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Dominant market share of deposits Legacy Markets Small share of much larger markets; a lot of room to grow. Growth Markets Deployment of lower cost deposits to higher growth markets. Competitive Advantage Share 2025 Deposits ($000s) County 64.56% $910,682 Chemung 2.06% $348,924 Albany 73.96% $217,855 Schuyler 11.96% $178,510 Steuben 27.62% $149,559 Tioga 4.83% $133,603 Tompkins 3.82% $132,713 Broome 7.28% $117,985 Cayuga 1.60% $103,190 Saratoga 3.88% $61,985 Bradford (PA) 0.06% $36,912 Erie 0.98% $33,705 Schenectady 2.74% $23,989 Cortland 2.70% $19,350 Seneca $2,468,962 Total Market Share 16 Albany, NY Second Quarter 2026 Investor Presentation Source: S&P Global, as of June 30, 2025

Chemung Financial Corporation New York Semiconductor Ecosystem 17 Second Quarter 2026 Investor Presentation 156+ Semiconductor & supply chain companies in NYS today $124B Investment since 2022 1 in 4 U.S. made chips will be produced within 350 miles of Upstate New York $9.6B Annual New York State GDP growth between now and 2055 Source: The Governor’s Office of Semiconductor Expansion, Management, and Integration (GO - SEMI) 84,000 Estimated population increase from Micron project alone 30,000 New housing units needed to accommodate growth

Chemung Financial Corporation EVP, Senior Banking Officer Industry Experience: 32 years Years with CHMG: 9 years Previously with TD Bank Kimberly Hazelton President and CEO Industry Experience: 33 years Years with CHMG: 15 years Previously with Citizens Anders Tomson Experienced Management Team 18 EVP & CFO Industry Experience: 30 years Years with CHMG: 3 Previously with KPMG LLP and Evans Bancorp Dale McKim Regional President Industry Experience: 37 years Years with CHMG: 7 Previously with Five Star Bank Jeffrey Kenefick President, Capital Bank Industry Experience: 24 years Years with CHMG: 12 Previously with First Niagara Daniel Fariello EVP, Chief Credit Officer Industry Experience: 43 years Years with CHMG: 6 years Previously with Key Bank Peter Cosgrove EVP and Chief Information Officer Industry Experience: 28 years Years with CHMG: 9 years Previously with BOK Financial Dale Cole 18 Vincent Cutrona President, Canal Bank Industry Experience: 29 years Years with CHMG: 2 Previously with M&T Bank and Evans Bancorp Second Quarter 2026 Investor Presentation EVP, Chief Risk Officer Industry Experience: 23 years Years with CHMG: 9 years Previously with JPMorgan Private Bank Mary Meisner

Loans 20

Chemung Financial Corporation 13.8% 13.4% 14.4% 14.3% 13.9% 54.5% 56.9% 58.8% 62.1% 64.1% 15.6% 14.1% 13.3% 12.7% 12.1% 11.0% 10.7% 8.6% 5.8% 4.8% 5.1% 4.9% 4.9% 5.1% 5.1% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Loans by Type (%) Other Cons. Indirect Cons. Res. Mort. Comm. Mort. Comm. & Ind. Summary of Loan Growth 21 ▪ Total Loans: $2.367 billion as of June 30, 2026 ▪ Originated $235.2MM in Commercial Loans YTD 2026 ▪ Originated $56.1MM in Consumer Loans YTD 2026 ▪ Opened full - service Canal Bank branch in Williamsville, NY during 2024 - $301.5MM in loans as of June 30, 2026 *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation

Chemung Financial Corporation $651.5 $665.7 $626.9 $616.7 $588.6 $1,098.1 $1,206.6 $1,302.6 $1,417.8 $1,477.1 $79.8 $100.4 $141.9 $235.1 $301.5 Loans by Division ($ Millions) Chemung Capital Canal Summary of Loan Growth Q2 2026 2025 2024 2023 2022 24.9% 27.2% 30.3% 33.8% 35.6% Chemung 62.4% 62.4% 62.8% 61.1% 60.0% Capital 12.7% 10.4% 6.9% 5.1% 4.4% Canal 22 *CAGR: December 31, 2021 to June 30, 2026 *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation

Chemung Financial Corporation 13.9% 7.8% 56.4% 12.1% 9.8% Portfolio Concentrations to Total Loans June 30, 2026 Commercial & Ind. CRE Owner Occupied CRE Non-Owner Occupied Residential Mort. Consumer Loan Composition 23 ▪ June 2025 capital raise meaningfully reduced CRE non - owner occupied (NOO) ratios, providing opportunities for further growth. *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation

Chemung Financial Corporation 2022 2023 2024 2025 Q2 2026 C&I 109% 105% 109% 99% 95% CRE OO 46% 49% 52% 55% 53% CRE NOO 387% 397% 392% 378% 387% RRE 124% 110% 100% 88% 83% Consumer 128% 122% 102% 76% 68% 0% 50% 100% 150% 200% 250% 300% 350% 400% 450% Portfolio Composition to Tier 1 Capital & ACL June 30, 2026 Loan Composition 24 ▪ Effectively managing portfolio composition by establishing limits such as exposure and percentage of capital deployed for each category. ▪ Tactical use of participations to manage risk and capital. *The CRE Ratio above does not agree to the regulatory guidelines due to inclusion of owner - occupied loans. The regulatory guidel ine measure was 394.8% at June 30,2026. June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation

Chemung Financial Corporation $230.6 $251.9 $274.3 $326.0 $344.5 $200.0 $220.0 $240.0 $260.0 $280.0 $300.0 $320.0 $340.0 $360.0 2022 2023 2024 2025 Q2 2026 ***CECL Adopted 1/1/2023 (in millions) Bank-Level Tier 1 Capital and ACL Tier 1 Capital and ACL 25 ▪ $37.0MM of 2025 subordinated debt proceeds downstreamed to the Bank qualify as Tier 1 capital. ▪ Risk management function continually monitors and stress tests CRE exposure consistent with 2006 and 2015 interagency guidance. *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation

Chemung Financial Corporation 68.3% 3.6% 4.8% 2.0% 4.2% 6.1% 2.8% 8.2% NAICS Descriptions Real Estate, Rental & Leasing Manufacturing Health Care & Social Assistance Wholesale Trade Construction Accommodation & Food Services Arts, Entertainment & Recreation Other Commercial Loan Portfolio – June 30, 2026 26 *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation 40.1% 17.8% 25.0% 10.0% 7.1% Loan Types Non-Owner Occupied Commercial & Industrial Multi-Family Owner Occupied Construction

Chemung Financial Corporation Multifamily 32% Retail 17% Construction 10% Office 10% Warehouse 7% Hotel 6% Other 18% $1.52 Billion Commercial Real Estate 27 *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation As of June 30, 2026 CRE Portfolio Metrics $1.52 million Average loan size $1.13 million / 0.07% of total CRE Past due 30 - 89 days $2.56 million / 0.17% of total CRE Nonaccrual $100.69 million / 6.64% of total CRE Special mention $4.29 million / 0.28% of total CRE Classified 13.22% of total CRE CRE < $1 million 605 312 72 8 0 100 200 300 400 500 600 700 < $1.0MM $1.0MM - $5.0MM $5.0MM - $10.0MM > $10.0MM Number of CRE Loans by Balance

Chemung Financial Corporation 28 Second Quarter 2026 Investor Presentation Commercial Real Estate ▪ Focused on loans in existing markets. ▪ Continued strong CRE growth across footprint. ▪ Strong sponsor and guarantor support. *June 30, 2026 figures unaudited $80.5 Million in CRE Loan Balances outside of New York State © GeoNames, Microsoft, TomTom Powered by Bing CRE Loan Balances by Collateral County - 75,000,000 150,000,000 Loan Balances

Chemung Financial Corporation 659,555 90,224 95,999 101,019 96,007 474,582 0% 10% 20% 30% 40% 50% - 100,000 200,000 300,000 400,000 500,000 600,000 700,000 2026 2027 2028 2029 2030 2031 & After CRE Repricing Schedule (As of June 30, 2026) Balances ($ Thousands) % of CRE Commercial Real Estate Maturity & Repricing Details 29 Second Quarter 2026 Investor Presentation *June 30, 2026 figures unaudited CRE loans scheduled to mature in 2031 and after are $899.1 million or 59.3% of total CRE loans. Variable Rate 42% Adjustable Rate 31% Fixed Rate 27% 76,254 96,797 93,310 120,330 231,563 0% 2% 4% 6% 8% 10% 12% 14% 16% - 50,000 100,000 150,000 200,000 250,000 2026 2027 2028 2029 2030 CRE Maturity Schedule (As of June 30, 2026)

Chemung Financial Corporation Residential Mortgage 55% Home Equity 10% HELOC 12% Indirect 22% Direct 1% $521.4 Million Consumer Loans 30 *June 30, 2026 figures unaudited **Annualized Second Quarter 2026 Investor Presentation As of June 30, 2026 Consumer Portfolio Metrics $7.01 million / 1.35% of consumer Past due 30 - 89 days $3.44 million / 0.66% of consumer Nonaccrual $0.44 million / 0.37% of consumer** YTD Net charge - offs 0.58% 0.60% 4.70% 3.78% 9.58% 2.79% 6.12% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% - 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 740 & Above 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 Below 640 Consumer Loans by Credit Tier ($ in Thousands) Loan Balance Percent Delinquent

Chemung Financial Corporation Fixed Rate Loans by Maturity Date 31 *June 30, 2026 figures unaudited Second Quarter 2026 Investor Presentation 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 After 2035 Consumer 486 5,762 20,798 30,376 27,214 21,326 17,325 5,639 3,202 2,612 34,216 Residential Mortgage 4,994 5,049 1,631 2,467 4,877 6,317 5,706 2,921 6,981 23,796 153,811 Commercial 38,279 59,763 68,355 68,773 96,777 62,731 62,812 25,213 6,988 132 20,515 Weighted Average Rate 5.94% 5.42% 4.93% 6.24% 6.24% 5.50% 4.87% 5.36% 4.61% 3.18% 4.90% 5.94% 5.42% 4.93% 6.24% 6.24% 5.50% 4.87% 5.36% 4.61% 3.18% 4.90% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% (25,000) 25,000 75,000 125,000 175,000 225,000 Fixed Rate Loans by Maturity ($ in Thousands) Commercial Residential Mortgage Consumer Weighted Average Rate

Chemung Financial Corporation 0.40% 0.39% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% Non - Performing Loans and Assets (% of Total) Non-performing assets to total assets Non-performing loans to total loans Trends in Non - Performing Assets 32 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation $9,160 $11,211 $5,000 $7,500 $10,000 $12,500 Non - Performing Loans and Assets ($ Thousands) Non Performing Loans Non Performing Assets

Investments 33

Chemung Financial Corporation 8.8% 9.5% 10.7% 68.8% 69.1% 68.8% 90.3% 90.1% 6.1% 6.6% 6.7% 3.7% 3.6% 16.3% 14.8% 13.8% 6.0% 6.3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 2022 2023 2024 2025 Q2 2026 Securities Available for Sale by Type (%) U.S. Government & Enterprises MBS & CMO States & Political Other Sec. Investment Portfolio Composition 34 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation 2.27% 4.8 3.0 3.5 4.0 4.5 5.0 5.5 6.0 6.5 7.0 1.50% 1.70% 1.90% 2.10% 2.30% 2.50% 2022 2023 2024 2025 Q2 2026 Investment Portfolio Yield Duration - Years Investment Portfolio - Yield & Duration 35 ▪ Utilized proceeds from 2025 securities sales to reduce wholesale funding and support future loan growth ▪ Approximately $2 million a month in projected cash flows ▪ Principal cash flows representing 35% to 40% of the portfolio to be received in the next five years *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation $55,574 $55,332 $56,906 $435,131 $403,824 $365,934 $253,306 $242,465 $38,892 $38,686 $35,505 $10,310 $9,708 $102,992 $86,151 $73,097 $16,982 $16,870 $(96,609) $(85,099) $(85,829) $(47,290) $(47,159) $(120,000) $(100,000) $(80,000) $(60,000) $(40,000) $(20,000) $- $- $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 2022 2023 2024 2025 Q2 2026 Fair Values ($000) U.S. Government & Enterprises MBS & CMO States & Political Other Unrealized (Loss) Investment Portfolio – Fair Value and AOCI 36 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Deposits 37

Chemung Financial Corporation 31.5% 26.9% 26.1% 27.5% 28.9% 11.7% 12.0% 12.8% 14.4% 13.2% 27.5% 25.7% 24.8% 26.5% 28.8% 12.0% 10.2% 10.3% 11.2% 10.9% 14.1% 19.3% 22.2% 20.4% 18.2% 3.2% 5.9% 3.8% 2022 2023 2024 2025 Q2 2026 Account Types (%) Non-Interest Bearing DDA Interest Bearing DDA Money Market Savings Time Deposit Brokered Deposits 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 2022 2023 2024 2025 YTD 2026 Cost of Deposits NOW Savings and Money Market Time Deposits Brokered Deposits Total Cost of Interest Bearing Deposits YTD 2026 2025 2024 2023 2022 Rate 1.44% 1.55% 1.78% 1.10% 0.15% NOW 1.70% 1.91% 2.02% 1.45% 0.24% Savings and Money Market 3.12% 3.49% 4.22% 3.31% 1.08% Time Deposits 3.77% 4.49% 5.29% 5.22% 2.88% Brokered Deposits 2.06% 2.37% 2.79% 2.11% 0.44% Total Cost of Interest Bearing Deposits 1.49% 1.75% 2.07% 1.51% 0.30% Total Cost of Deposits 1.67% 1.86% 2.15% 1.59% 0.32% Total Cost of Funds Deposit Costs 38 • Q2 2026 Total Deposits $2.364B; up $93.3 million, or 4.1%, from December 31, 2025 • No brokered deposits as of June 30, 2026 or December 31, 2025 • Increase in total deposits compared to December 31, 2025 partially due to municipal ICS deposits and a new escrow deposit vertical *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation 51.2% 50.2% 50.4% 43.8% 45.0% 44.1% 42.0% 44.9% 47.3% 46.5% 26.9% 28.4% 29.4% 34.0% 34.1% 30.1% 28.2% 29.0% 31.2% 31.4% 9.1% 9.1% 8.7% 6.6% 7.5% 6.8% 6.3% 6.1% 7.1% 7.4% 3.1% 5.9% 3.8% 12.8% 12.3% 11.5% 15.6% 13.4% 15.9% 17.6% 16.2% 14.4% 14.7% Deposits by Customer (%) Consumer Commerical Public Brokered ICS / CDARS Deposit Composition 39 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation $1,815.5 $1,899.8 $1,892.2 $1,857.5 $1,887.6 $435.2 $381.0 $399.4 $363.7 $378.4 $73.5 $142.8 $92.2 $3.0 $5.8 $13.1 $49.5 $97.9 30.1% 27.0% 27.2% 30.1% 31.5% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% 100.0% $- $500 $1,000 $1,500 $2,000 $2,500 $3,000 2022 2023 2024 2025 Q2 2026 Deposits by Division ($ Millions) CCTC Capital Bank Brokered Western New York Uninsured Deposits Deposit Composition 40 *CAGR December 31, 2021 to June 30, 2026 excluding brokered deposits **June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Liquidity 41 Williamsville, New York Branch As of June 30, 2026 Remaining Available Outstanding Total Available Dollars in Thousands 91,306 $ 89,590 $ 180,896 $ FHLB Advances 65,000 - 65,000 Correspondent Bank Lines of Credit 282,020 - 282,020 Brokered Deposits 66,979 - 66,979 Unencumbered Securities 505,305 $ 89,590 $ 594,895 $ Total Sources of Liquidity 744,424 $ Uninsured Deposits (1) 31.5% Uninsured Deposits to Total Deposits (1) Includes $174.2 million in public funds that are collateralized when required. Second Quarter 2026 Investor Presentation

Performance 42

Chemung Financial Corporation GAAP Net Income - Quarterly Trend ($ Thousands) 43 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation $28.8MM $25.0MM $23.7MM $15.1MM $18.0MM 2022 2023 2024 2025 2026 $6,867 $8,024 $6,453 $7,439 $7,270 $6,280 $7,648 $3,802 $7,050 $4,987 $5,720 $5,914 $6,023 $(6,452) $7,792 $7,741 $9,199 $8,810 $(8,000) $(6,000) $(4,000) $(2,000) $- $2,000 $4,000 $6,000 $8,000 $10,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Chemung Financial Corporation Non - GAAP Net Income - Quarterly Trend ($ Thousands) 44 *June 30, 2026 figures unaudited. Refer to the GAAP - to - Non - GAAP Reconciliation on slide 51. Second Quarter 2026 Investor Presentation $28.8MM $23.2MM $23.7MM $27.9MM $18.0MM 2022 2023 2024 2025 2026 $6,867 $8,024 $6,453 $7,439 $7,270 $6,280 $5,775 $3,831 $7,050 $4,987 $5,720 $5,914 $6,023 $6,322 $7,792 $7,741 $9,199 $8,810 $(8,000) $(6,000) $(4,000) $(2,000) $- $2,000 $4,000 $6,000 $8,000 $10,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Chemung Financial Corporation 2022 2023 2024 2025 2026 Q1 2.87% 3.14% 2.73% 2.96% 3.60% Q2 2.97% 2.87% 2.66% 3.05% 3.67% Q3 3.08% 2.73% 2.72% 3.45% Q4 3.26% 2.69% 2.92% 3.61% YTD 3.05% 2.85% 2.76% 3.26% 3.63% 3.05% 2.85% 2.76% 3.26% 3.63% 2.00% 2.50% 3.00% 3.50% 4.00% Fully Taxable Equivalent Net Interest Margin (%) Q1 Q2 Q3 Q4 YTD Net Interest Margin 45 *June 30, 2026 figures unaudited. ▪ 39% of the loan portfolio reprices or matures within the next 90 days ▪ 47% of the commercial loan portfolio reprices or matures within the next 90 days ▪ 91% of the commercial loan portfolio reprices or matures within the next 5 years ▪ 72% of the commercial loan portfolio is variable or adjustable Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Overdraft Fees 10.6% Other Deposit Service Charges 5.7% Interchange Income 16.5% Wealth Management Revenue 49.4% CFS Group, Inc. Revenue 6.8% Net Gains on Sales of Loans 0.5% Change in FV of Equity Securities 1.6% Other 8.9% $12.8 Million Year to Date 2026 Retirement Services 30% Investment Management 32% Personal Trust & Fiduciary 31% Custody 3% Other 4% Wealth Management Group Income $6.3 Million Year to Date 2026 Non - Interest Income Components 46 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Wealth Management and CFS Group, Inc. Revenue 47 *June 30, 2026 figures unaudited. **CAGR December 31, 2022 to December 31, 2025 Second Quarter 2026 Investor Presentation 2022 2023 2024 2025 YTD 2026 Wealth Management Revenue $10,280 $10,460 $11,573 $11,945 $6,336 CFS Group, Inc. Revenue $1,079 $995 $1,054 $1,176 $871 $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 Revenue($ Thousands)

Chemung Financial Corporation Salaries , 42.5% Data Processing , 14.0% Employee Benefits , 11.2% Net Occupancy , 8.3% FDIC Insurance , 1.7% Professional Services , 4.5% Furniture/Equipment , 2.5% Marketing , 2.0% Other , 13.3% $36.8 Million Year to Date 2026 Salaries Data Processing Employee Benefits Net Occupancy FDIC Insurance Professional Services Furniture/Equipment Marketing Other Non - Interest Expense Components 48 *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation 65.71 61.71 61.71 66.20 68.89 63.00 60.10 54.00 56.00 58.00 60.00 62.00 64.00 66.00 68.00 70.00 2020 2021 2022 2023 2024 2025 YTD 2026 Efficiency Ratio (%)** Expense Management and Control 49 Goal is both cost containment and cost savings ▪ Increase efficiency in banking operations ▪ AI and robotics initiatives ▪ Develop clear action plans to implement best practices across the organization ▪ Growth without adding cost Cost savings recognized: ▪ Reduction in headcount ▪ Frozen pension plan and post - retirement healthcare accruals ▪ Consolidation of six branch locations within existing footprint **Efficiency ratio (adjusted) is non - interest expense less amortization of intangible assets divided by the total of fully taxab le equivalent net interest income plus non - interest income less net gains or losses on securities transactions and net gains or losses on the sale of branch property *June 30, 2026 figures unaudited. Second Quarter 2026 Investor Presentation

Chemung Financial Corporation Capital Management 50 ▪ Positioned to remain profitable and pay dividends ▪ Increased quarterly dividend $0.03 per share during 2025, or 9.7% to $0.34 ▪ Announced share repurchase program of 250,000 shares in January 2021 ▪ As of June 30, 2026: 49,184 shares had been repurchased Second Quarter 2026 Investor Presentation *June 30, 2026 figures unaudited ** Payout ratio using non - GAAP revenue. Refer to the GAAP - to - Non - GAAP Reconciliation on slide 51. 2022 2023 2024 2025 Q2 2026 Book Value / Share $35.32 $41.07 $45.13 $52.97 $55.88 Tangible Book Value / Share $30.69 $36.48 $40.55 $48.43 $51.37 $- $10.00 $20.00 $30.00 $40.00 $50.00 $60.00 2022 2023 2024 2025 YTD 2026 Dividends / Share $1.24 $1.24 $1.24 $1.32 $0.68 Payout ratio 20% 25% 25% 23% 18% 15% 17% 19% 21% 23% 25% 27% $- $0.25 $0.50 $0.75 $1.00 $1.25 $1.50 $1.75 $2.00

Chemung Financial Corporation GAAP to Non - GAAP Reconciliation 51 Second Quarter 2026 Investor Presentation *June 30, 2026 figures unaudited.

Chemung Financial Corporation 4.8 million Shares Outstanding $360.8M Market Capitalization $0.68 YTD Dividend Per Share 1.82% Dividend Yield (TTM) 20,847 Average Daily Volume^ $55.88 Book Value Per Share $51.37 Tangible Book Value Per Share $74.58 Stock Price 10.72x Price to Earnings (TTM)* 1.45x Price to Tangible Book 1.32% Return on Average Assets 13.71% Return on Average Equity CHMG Stock At a Glance 52 As of June 30, 2026 (unaudited). *Based on non - GAAP net income. ^YTD, June 30,2026 (unaudited). 52 Second Quarter 2026 Investor Presentation

Chemung Financial Corporation One Chemung Canal Plaza Elmira, New York 14901 Anders Tomson 607 737 - 3756 atomson@chemungcanal.com Get In Touch Chemung Financial Corporation is a $2.8 billion financial services holding company headquartered in Elmira, New York and operates 30 retail offices through its principal subsidiary, Chemung Canal Trust Company, a full - service community bank with trust powers. Established in 1833, Chemung Canal Trust Company is the oldest locally - owned and managed community bank in New York State. Chemung Financial Corporation is also the parent of CFS Group, Inc., a financial services subsidiary offering non - traditional services including mutual funds, annuities, brokerage services, tax preparation services and insurance. Dale McKim 607 737 - 3714 dmckim@chemungcanal.com 53 Second Quarter 2026 Investor Presentation

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