Bank · FDIC insured
Champlain National Bank
A $497.1M bank headquartered in Elizabethtown, NY, with 10 branches in New York. Best rates: CDs 3.50% and savings 0.37% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—1.00%Needs another account or monthly activityCD rates →
- Savings761.29%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Champlain National Bank
Champlain National Bank traces its history back to 1909 when Lake Champlain National Bank began operations in Westport, New York, before merging with Essex County National Bank in 1959.
The bank serves the people of Essex, Clinton, and Franklin counties as a local, community-focused bank.
- Headquarters
- 7558 Us Route 9, Elizabethtown, NY 12932
- FDIC certificate
- 7356 ↗
Branches
10 branches in New York
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New York
10 branches
Plattsburgh area · 3
- Champlain Branch636 Route 11, Champlain, NY 12919Directions
- Plattsburgh Branch32 Cornelia St, Plattsburgh, NY 12901Directions
- West Plattsburgh Branch500 Route 3, Plattsburgh, NY 12901Directions
Elizabethtown area · 1
- Champlain National BankMain office7558 Us Route 9, Elizabethtown, NY 12932Directions
Crown Point area · 1
- Crown Point Branch2687 Main St, Crown Point, NY 12928Directions
Keene area · 1
- Keene Branch10849 Nys Route 9n, Keene, NY 12942Directions
Lake Placid area · 1
- Lake Placid Branch2040 Saranac Ave, Lake Placid, NY 12946Directions
Saranac Lake area · 1
- Saranac Lake Branch151 Church St, Saranac Lake, NY 12983Directions
Westport area · 1
- Westport Branch6478 Main St, Westport, NY 12993Directions
Willsboro area · 1
- Willsboro Branch3900 Nys Route 22, Willsboro, NY 12996Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.87% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.25% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.90% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio10.87%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.25%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.90%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Champlain National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.