Chemung Financial subsidiary becomes national bank

The subsidiary continues as the same corporate entity and structure, now subject to OCC supervision, regulation, and examination.

Rhea-AI Filing Summary

Chemung Financial Corporation (CHMG) announced that its wholly owned subsidiary, Chemung Canal Trust Company, completed its conversion from a New York chartered trust company to a national bank on October 1, 2026, following approval by the Office of the Comptroller of the Currency (OCC). The subsidiary will operate as Chemung Canal Trust Company, National Association and be subject to OCC supervision, regulation, and examination. It continues as the same corporate entity and within the same structure as before the conversion.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

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

Key Terms

New York chartered trust company, national bank, Office of the Comptroller of the Currency

3 terms

New York chartered trust company regulatory

"conversion from a New York chartered trust company"

national bank regulatory

"conversion from a New York chartered trust company to a national bank"

Office of the Comptroller of the Currency regulatory

"following its approval by the Office of the Comptroller of the Currency"

A U.S. federal regulator that oversees and enforces rules for nationally chartered banks and federal savings associations, acting like a referee to make sure those institutions operate safely and follow banking laws. Investors care because the agency’s supervision, rule changes, or enforcement actions can affect a bank’s safety, profitability, lending ability and legal risks — all of which influence the value and stability of bank stocks and related financial assets.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

Did Chemung Canal Trust Company become a national bank?

Yes. Chemung Canal Trust Company completed its conversion to a national bank on October 1, 2026, following approval by the Office of the Comptroller of the Currency. It will operate as Chemung Canal Trust Company, National Association.

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

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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): October 1, 2026 (October 1, 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:

☐ 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 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). 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 8.01 Other Events

On October 1, 2026, Chemung Canal Trust Company (the “Bank”), the wholly owned subsidiary of Chemung Financial Corporation, completed its conversion from a New York chartered trust company to a national bank following its approval by the Office of the Comptroller of the Currency (the “OCC”). Following completion of the conversion, the Bank will now operate under the name “Chemung Canal Trust Company, National Association” and be subject to supervision, regulation, and examination by the OCC. The Bank will continue to operate as the same corporate entity in the same structure as it did prior to its conversion.

ITEM 9.01 Financial Statements and Exhibits

(d) Exhibits

Exhibit No.

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
October 1, 2026		By: /s/ Dale M. McKim III
		Dale M. McKim III
		Chief Financial Officer and Treasurer

Filing Exhibits & Attachments

3 documents

Other Documents

• EX-101 XBRL SCHEMA FILE 3.0 KB
• EX-101 XBRL LABEL FILE 33.4 KB
• EX-101 XBRL PRESENTATION FILE 21.8 KB