Champlain National Bank
Champlain National Bank is a privately held community bank founded in 1909, operating 10 branches across New York's North Country and Adirondack regions to serve retail consumers and small businesses with personal/commercial banking, mortgages, and digital services.
- Company typePrivate
- Founded1909
- HeadquartersWillsboro, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Champlain National Bank does
Champlain National Bank is a privately held community bank founded in 1909 and headquartered in Willsboro, New York. The bank operates 10 branches across Essex, Clinton, and Franklin Counties, serving retail consumers and small businesses in the North Country and Adirondack regions. It is controlled by the Paine family through Champlain Bank Corporation, with Alice Cole serving as Board Chair as of August 2024 and Peter S. Paine Jr. as Chairman Emeritus. The institution holds a sustained 5-star BauerFinancial rating and FDIC insurance.
The bank's product set spans personal and business checking, savings, loans, and a broad residential mortgage portfolio including FHA, VA, USDA, HomeStyle Renovation, FHA 203(k), bridge, and jumbo loan programs. Digital capabilities include an online banking platform, iOS and Android mobile apps with biometric login and Remote Deposit capture, Zelle peer-to-peer payments, ACH-based external account transfers, and digital card management controls. Distribution is anchored by the 10-branch network, supplemented by access to over 55,000 surcharge-free ATMs through the Allpoint network, with all customer calls handled by branch staff rather than a centralized call center.
Revenue is generated primarily through net interest income on the loan portfolio (consumer, mortgage, commercial), deposit-related fees, and treasury and business services. The bank offers a fee-free Champlain Free checking account and markets itself through community involvement programs, financial education, scholarship programs, and active social media channels. Customer segments are Individual Consumers and Small Business Owners (primary) with a secondary focus on Tourism and Hospitality lending in the Adirondack region. No public revenue, parent company, or institutional ownership is disclosed.
Champlain National Bank firmographics
Firmographics- Name
- Champlain National Bank
- Legal name
- Champlain National Bank
- Website
- https://champlainbank.com
- Company type
- Private
- Founded year
- 1909
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Champlain National Bank is a privately held community bank founded in 1909, operating 10 branches across New York's North Country and Adirondack regions to serve retail consumers and small businesses with personal/commercial banking, mortgages, and digital services.
- Ownership category
- akta.pro rank
Champlain National Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Digital Banking & Neobank Platforms (BPAMAFAD)
Keywords
Where Champlain National Bank is headquartered
LocationHeadquarters
- HQ city
- Willsboro
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
Champlain National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Champlain Free Checking - No monthly maintenance fees |
Distribution channels4 records
Marketing channels7 records
Champlain National Bank product offering
Product offeringCore offering
Champlain National Bank is a community bank providing personal and business deposit accounts, loans, and mortgages through 10 branches across the North Country and Adirondack regions of New York. Its offerings include fee-free personal checking and savings, business checking and savings, personal and business loans, residential mortgages (FHA, VA, USDA, conventional), and digital banking via online and mobile platforms with Zelle, Remote Deposit, and card management. The bank is FDIC-insured and operates under federal banking law.
Product overview
Champlain National Bank is a community bank offering a comprehensive suite of traditional banking products and digital services. The bank operates 10 branch locations across the Adirondack/North Country region of New York. Its core offerings include personal and business checking/savings/loans, residential mortgages with multiple program options (FHA, VA, USDA, conventional), and digital banking services. The digital banking platform includes online banking, mobile banking app, bill pay, remote deposit capture, Zelle peer-to-peer transfers, external account transfers via ACH, and card management tools. Additionally, the bank provides financial calculators and an educational center for customer financial literacy.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Personal checking accounts including the Champlain Free account with no monthly maintenance fees, access to online and mobile banking, debit card, and bill pay services for individual consumers.
- Personal Savings
- Personal Loans
- Residential Mortgages
- Business Checking
- Business Savings
- Business Loans
- Business Services
- Online Banking
Companies that use Champlain National Bank
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Champlain National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Champlain National Bank partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
Champlain National Bank competitors and assessment
Company assessmentDirect peers
- Adirondack Trust Company: Community bank headquartered in Saratoga Springs, NY, serving the broader upstate New York/Adirondack region with personal and business banking, mortgages, and trust services. Most directly comparable peer due to shared upstate NY/Adirondack footprint and community-bank positioning.
- Glens Falls National Bank and Trust Company: Upstate New York community bank subsidiary of Arrow Financial Corporation, serving the greater Adirondack/Capital region with comparable deposit, lending, and trust products. Closely comparable in scale, geography, and community-bank positioning.
- Trustco Bank: New York-chartered community bank headquartered in Glenville, NY with branches concentrated in upstate New York, Florida, and Massachusetts. Comparable product set including mortgages, deposits, and small-business banking with similar fee-conscious positioning.
- Ballston Spa National Bank: Independent community bank in Ballston Spa, NY serving the greater Capital District/Adirondack region. Closely comparable in independent community-bank model, scale, and personal relationship-based service approach.
- Catskill Hudson Bank: Upstate New York community bank with branches in the Hudson Valley/Catskills region. Comparable in offering traditional community banking products to retail and small-business customers with similar fee-conscious positioning.
- Bank of Greene County: Catskill Hudson Bancorp subsidiary operating as a community bank in the Hudson Valley region of New York. Similar independent community-bank positioning, traditional product set, and focus on local relationship banking.
Broad incumbents
- NBT Bank: Mid-sized regional bank headquartered in Norwich, NY, with branches across upstate New York, Pennsylvania, Vermont, and Massachusetts. Comparable in core deposit/lending products but materially larger in scale and geographic reach.
- Community Bank, N.A. Large community-oriented bank headquartered in DeWitt, NY with branches across upstate New York, Pennsylvania, Vermont, and upstate New York markets. Offers similar consumer/business banking and mortgage products but at significantly greater scale.
- Berkshire Bank: Regional community bank headquartered in Pittsfield, MA with branches across Massachusetts, Connecticut, Vermont, Rhode Island, and New York. Larger scale but comparable community-bank positioning and product set serving similar rural/suburban upstate geographies.
- KeyBank: Large regional bank with significant upstate New York branch presence including in the Adirondack region. Operates as a broader incumbent offering similar deposit, lending, and digital services but at substantially greater scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Champlain National Bank social profiles
Digital presenceChamplain National Bank compliance and trust
Trust signalCompliance3 records
Champlain National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Champlain National Bank leadership team
Management profileNumber of profiles
Profiles6 records
Champlain National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Champlain National Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Champlain National Bank
What does Champlain National Bank do?
Champlain National Bank is a community bank providing personal and business deposit accounts, loans, and mortgages through 10 branches across the North Country and Adirondack regions of New York. Its offerings include fee-free personal checking and savings, business checking and savings, personal and business loans, residential mortgages (FHA, VA, USDA, conventional), and digital banking via online and mobile platforms with Zelle, Remote Deposit, and card management. The bank is FDIC-insured and operates under federal banking law.
Is Champlain National Bank a public or private company?
Champlain National Bank is a private company. It is classified as family owned and is currently operating.
When was Champlain National Bank founded?
Champlain National Bank was founded in 1909. It employs 51 to 100 people.
Where is Champlain National Bank based?
Champlain National Bank is headquartered in Willsboro, United States, in the North America region.
Who are Champlain National Bank's main competitors?
Direct peers on record are Adirondack Trust Company, Glens Falls National Bank and Trust Company, Trustco Bank, Ballston Spa National Bank, Catskill Hudson Bank and Bank of Greene County. Broad incumbents are NBT Bank, Community Bank, N.A., Berkshire Bank and KeyBank.
Does Champlain National Bank have an API?
No public API is recorded for Champlain National Bank.
What industry is Champlain National Bank in?
Champlain National Bank's product category is Community Banking. Its primary akta.pro industry code is BPAMAFAD, Digital Banking & Neobank Platforms. Its NAICS code is 5221 and its SIC code is 6021.