May 3, 2021

Check out the story behind our piggy bank balloon: Mr. Bankus!

Inflatable Mascot Mixes Finance & Fun To Foster Brand Recognition

Girls in front of truck with piggy bank balloon


April 9, 2021

Steven Cacchio, President and CEO of Champlain National Bank, is pleased to announce the following employees have been promoted:

Medara Sherman to Security and Branch Operations Officer.  She is also a Mortgage Loan Specialist and Branch Manager of both Elizabethtown and Westport branches.  Medara Sherman joined the Bank in 2013 as the Willsboro Branch Manager and became the Westport Branch Manager in 2014.  In 2016 she assumed the role of Branch Manager of both the Elizabethtown and Westport branches and became one of the Bank’s Mortgage Loan Specialists.  Prior to joining Champlain National Bank, she worked as a General Manager for Ruby Tuesday Restaurants in the Midwest, and for her family-owned business in Willsboro: Champlain Valley Milling. She attended Siena College where she was awarded a BA in Psychology. Her community involvement includes spearheading the annual Champlain National Bank Project Wee Care, serving as a Board Member of the Westport Heritage House, and volunteering on the Westport Federated Church Council. Medara has three children and lives with her husband in Westport. She enjoys camping with her family, horseback riding, and is currently remodeling an old house.

Medara Sherman Headshot

Teresa Morgan Kaschak to an Officer and Human Resources Manager.  Teresa joined Champlain National Bank in 2018.  She spent her entire career in executive support, benefits administration, and human resource management both in and out of the banking industry.  A native of San Antonio, Texas, she arrived in the North Country in 1986 after being stationed at Plattsburgh Air Force Base while serving in the US Air Force.  She enjoys kayaking, camping, and spending time with family.

Teresa Morgan Kaschak Headshot

Jordan McKiernan to Crown Point Assistant Branch Manager.  Jordan started working for Champlain National Bank in 2017 and holds an A.S. from Hudson Valley Community College in Criminal Justice.  She enjoys spending time with her family and being outdoors.

Jordan McKiernan Headshot


March 5, 2021

With interest rates at historic lows, this could be a great time to refinance your existing mortgage.  Depending on your goals, a refinance can lower your monthly payment, lower your interest rate, and/or shorten the term of your loan, which will save you money and help you pay off your loan faster.

Another popular refinance option is a cash-out refinance, which allows you to tap into your home’s equity, while maintaining only one mortgage.  This is a great choice to tackle some of those home improvement projects you’ve been planning while being at home during the past year.

Champlain National Bank offers a variety of mortgage choices to meet your needs.  Our team understands the unique housing needs of people living in the Adirondacks and North Country, and looks at every situation differently.

If you’d like to speak with someone about whether a refinance makes sense for you, give us a call.  Our Mortgage Loan Specialists will take a look at your situation and help you determine the best course of action.  Your current loan doesn’t have to be with Champlain National Bank for us to work with you on a refinance.

house made of dollar bills


February 4, 2021

Champlain National Bank is once again providing local businesses with assistance in applying for the Second Draw of the Small Business Administration (SBA) Paycheck Protection Program (PPP).  Narrower in scope than the first round of PPP loans, the Second Draw’s eligibility includes the requirement to show at least a 25% revenue reduction in any calendar quarter in 2020 compared to 2019.  These loans are designed to supplement lost business income due to the Coronavirus pandemic, and may be forgiven up to the full principal amount by the SBA.

Any business is welcome to apply at Champlain National Bank, regardless of where they received their initial PPP funding.

“We have started to accept applications for the second round of PPP funding and our team is happy to help eligible businesses through the process,” said President and CEO Steven Cacchio.  “Getting these needed funds into our community is crucial to many local businesses.”

Interested businesses will be able to apply online and should contact the Bank at (518) 562-1776 to receive a link to the application.

Specifics of the program can be found on the Small Business Administration’s website: or the Department of the Treasury’s website:

Local news coverage on how we're helping businesses apply for the PPP.

Mountain Lake PBS
Steven Cacchio Extended Interview

Mountain Lake PBS
PPP Provides Loans to Businesses Hurt By Pandemic

The Sun
Second Round of PPP Funding Open to Struggling Businesses

North Country Businesses Taking Advantage of 2nd Round of PPP Loans

Press Republican
Bank: Almost Time to Apply for PPP

Small Business Loan Application Online


January 28, 2021

Port Henry native Ann Marie Manning’s photograph of a sunrise over Lake Champlain was selected to be the cover of the Champlain National Bank 2021 Calendar.  The picture was taken from the Port Henry Boat Dock and features the Champlain Bridge in the distance.

Ann Marie said she travels extensively, but the prettiest sunrises and sunsets she’s seen are right in her backyard.  “I like to grab a coffee at Stewarts in Port Henry and then head to the Boat Dock to take pictures.  The day I took the picture that I submitted to the Contest, the sunrise was so amazing, I could have pointed my camera in any direction and taken a wonderful shot.”

The annual Calendar Photo Contest, which began in 2015, started small but now receives nearly 200 submissions.   Photographs are submitted in the fall to the photo contest held on Facebook.

VP and Marketing Director Jackie Hallock explained, “We used to purchase scenic calendars that featured pictures taken across the country.  I just thought that we could do better.  We live in one of the most beautiful places on earth, and I thought offering a calendar featuring pictures taken around here by local people made the most sense.” 

“We hear from many people how much they look forward to submitting a photo to our contest or to see all the amazing pictures and vote for their favorites,” said Hallock.  “We’re proud that it’s also given a place for local budding photographers to showcase their work.”

Calendars are available by visiting any Champlain National Bank branch and feature 12 other photographs taken in the North Country and Adirondacks.

Thanks to The Sun for the great article about Ann Marie!

The Sun
Port Henry Woman Shoots Winning Photo in CNB Calendar Contest

Pictured: Ann Marie Manning holding a calendar in the spot she took her winning photograph

Ann sitting on the shore of Lake Champlain


December 7, 2020

Champlain National Bank employees are once again spearheading projects throughout Essex, Clinton, and Franklin counties to help make the holidays a little brighter for local families.  The Project We Care program at Champlain National Bank partners with local agencies throughout the region to help them collect toys, food, and other items, which are provided to people in need in our communities during the holidays.

In Westport and Elizabethtown, Project We Care is working in partnership with the Boquet Valley Central School District to provide gifts for children and families who another social service agency might not reach, and who might not have much under their Christmas tree.  We are looking for people who would be willing to help us by adopting a child.  A Christmas tree full of tags, with each tag listing a local child’s wish and need for this Christmas, will be located in the ATM atrium during business hours.  These gifts do need to be returned wrapped with the tag attached by December 11.  You can also donate any spare change into the change jars found around town or by bringing it to the Bank and we’ll put it towards purchasing these gifts.  We are also collecting non-perishable food and hygiene products which will be given to these families.  Please call (518) 983-3316 or (518) 873-6347 for more information and to learn how you can help.

At our Keene branch we are collecting warm clothing for local children and senior citizens in need, working in conjunction with local churches and the Keene Valley Neighborhood House.  To help: give us a call at (518) 576-9515 or stop by the drive-through and we’ll give you an angel or mitten tag, which will detail the clothing item requested and the person’s size.  Gifts need to be returned to the branch by December 18 and can be either wrapped or unwrapped with the tag attached.

In Champlain, we are collecting winter clothing for local children in conjunction with Mooers Elementary.  To help: give us a call at (518) 983-3314 or stop by the drive-through to request a tag that lists the needed items and sizing for each child.  Please return the unwrapped winter wear by December 11 with the tag attached.

Our two branches located in Plattsburgh are collecting gift cards for the Christmas Bureau to be given to older children and teenagers.  Gift cards in amounts of $20-$25 to stores young teenagers find appealing can be dropped off to us by December 11.  If you have questions or would like to contribute, call us at (518) 561-6000 or (518) 562-1785.

In Lake Placid and Saranac Lake we are collecting toys that will be given to Families First to distribute.  Tags listing a local child’s Christmas gift wish will be located in those two branches.  Please return the unwrapped gift to either Lake Placid or Saranac Lake by December 11.  If you need more details about the program, you can call (518) 523-7070 or (518) 304-5200.

The Willsboro and Crown Point branches are collecting food for the local food pantries to help keep their shelves full during the holiday season.  Any non-perishable food can be dropped off in the box located in the ATM atrium of the Willsboro branch or the Crown Point branch during business hours.  For any questions, please call (518) 963-4201 or (518) 983-3322.

“It’s wonderful to see how Project We Care has grown over the past few years and the impact that we make right here at home,” Vice President and Director of Marketing Jackie Hallock said.  “As the local bank, we look for opportunities where we can make a difference in our own communities.  It’s important to us that everything we collect goes to families and children in need in the North Country and Adirondacks, because we know the need is great right here.”

Holiday Donation Box


September 14, 2020

Steven Cacchio, President and CEO of Champlain National Bank, is pleased to announce the following employees have been promoted:

Jennifer Pecore to Commercial Portfolio and Collections Manager.  She is also an Assistant Vice President.  In her new role, she provides assistance to the Bank’s commercial lenders on new loan requests, supervises the loan systems, and manages the collection of past due loans.  Jennifer started with the Bank in 2001 in the Executive Department, before moving into the Commercial Loan Department.  In 2007 she became a Commercial Credit Assistant, and in 2013 became the Commercial Loan Quality Control Specialist.  In 2014 Jennifer was promoted to Loan Operations and Servicing Supervisor, and in 2015 became the AVP/Loan Operations Manager.  In 2016 she became responsible for introducing Champlain National Bank’s Indirect Lending Program to car dealers in our market area, and managing the Indirect Lending Department.

Jennifer Pecore Headshot

Stephanie Coulombe to an Officer.  She is also the Branch Manager of both Plattsburgh and Champlain branches.  Stephanie started at Champlain National Bank in 2008 working in the Lake Placid branch before moving to the Champlain location.  She became Champlain Assistant Branch Manager in 2017 and Branch Manager in 2019.  Earlier this year she became Branch Manager of both the Plattsburgh and Champlain branches.  In her free time she enjoys reading and spending time with her family.

Stephanie Coulombe Headshot

Ralitsa Livermore to Elizabethtown Assistant Branch Manager. Ralitsa started with Champlain National Bank in 2017 as a Teller, and was quickly promoted to Vault Teller.  Ralitsa came to the Bank with international experience in client service, having worked in the travel and hotel industries with Marriott hotels in San Diego, California.  She holds a BS from the University of Economics in Varna, Bulgaria in Business Management.  Ralitsa enjoys spending time with family, pets, traveling with her husband, staying active for herself, and within her community.

Ralitsa Livermore Headshot

Brittany Faubert to Dealer Services Manager.  Brittany started working for Champlain National Bank in 2008 as a Teller.  In 2011 she was promoted to a Vault Teller, in 2017 was promoted to the Plattsburgh Assistant Branch Manager, and in 2019 she moved into lending as an underwriter and credit analyst.  Brittany is a mom of two and enjoys spending time in the outdoors with her family.

Brittany Faubert Headshot


September 2020

Want to meet the only female Senior Commercial Lender in Clinton County?  It’s our very own Lisa Roberts, who’s been helping businesses grow in the North Country for the last 26 years!  Always ready to work with new businesses, learn what’s made her so successful in a male-dominated field!  Read the article about her in Strictly Business. 

Strictly Business
Lisa Roberts: Lending A Hand
Photo by: Ty Kretser for Strictly Business

Lisa Roberts in her Office


September 2020

Champlain National Bank was featured in a recent Strictly Business article about Financial Technology (or FinTech).  Read what our Vice President and Commercial Lender Tim Kononan said about why giving our clients access to the latest online banking tools is so critical, and how we help keep the businesses we serve ahead of the technology curve. 

Strictly Business
Thoughtful Tools for Corporate Banking

Tim Kononan


August 26, 2020

Learn why Champlain National Bank made the decision to return to temporarily serving our clients at the drive-through only as local COVID cases continue to rise.

COVID Outbreak at Northern NY Nursing Home has Community on High Alert

Elizabethtown Branch Exterior


August 5, 2020

Champlain National Bank is asking the community to help with the nationwide coin shortage by bringing in any rolled change they have to the Bank, so that it can be recirculated back into the community. 

“Even though there is more coin in circulation today than there was a year ago, the pandemic set off a chain reaction that caused the coin shortage we are now experiencing.  People started using their debit cards more often, and businesses that use a lot of coin closed,” said Jackie Hallock, VP/Director of Marketing.  “This is a temporary shortage; there is plenty of change out there, it’s just sitting in our homes.”

Champlain National Bank will supply coin wrappers, for free, so you can roll your own and bring it back to the Bank.

Local news coverage on how we're helping with the coin shortage.

The Sun
Locals Feeling the Pinch of National Change Shortage

Press Republican
Coin Shortage Rattles Local Businesses

Public's Help Needed With National Coin Circulation Shortage

rolled coin and loose change


July 8, 2020

Champlain National Bank gave $4,500 in scholarship money to graduating seniors throughout Essex and Clinton Counties at graduation ceremonies in June.  Recipients of the Champlain National Bank Scholarship receive $500 towards college expenses.  Champlain National Bank Scholarships are awarded every year at graduation to students from school districts within the two counties who will be attending college in the fall.


  • Willsboro Central School: Alexis Stoker, daughter of Jason Stoker and Kelley Lindsey from Willsboro.  Attending Clinton Community College to study Liberal Arts.
  • Boquet Valley Central School: Maggie Ploufe, daughter of John and Traci Ploufe from Westport.  Attending Champlain College to study Business Administration.
  • Crown Point Central School: Dylan Sours, son of Matthew and Jennifer Sours from Crown Point.  Attending SUNY Plattsburgh to study Computer Science.
  • Keene Central School: Caitlin Quinn, daughter of Sheryl Quinn and the late Jeremy Quinn from Keene.  Attending Rochester Institute of Technology to study Applied Mathematics.
  • Plattsburgh Central School: Sean Vogl, son of Steve and Jackie Vogl from Plattsburgh.  Attending SUNY Plattsburgh to study Finance.
  • Northeastern Clinton Central School: Allison Bodah, daughter of Destiny-Faith Roberts from Mooers.  Attending Clinton Community College to study Business Administration.
  • Seton Catholic Central School: Foster Ovios, son of Aaron and Jennifer Ovios from Plattsburgh.  Attending Siena College to study Business Marketing.
  • Lake Placid Central School: Gregory Suzanne, son of Gregory Suzanne from Lake Placid.  Attending North Country Community College to study Business.
  • Saranac Lake Central School: Kaitlyn Burdt, daughter of Tammy Burdt of Tupper Lake and Richard Burdt of Saranac Lake.  Attending North Country Community College to study Business.

Piggy Bank with a Diploma


June 12, 2020

Champlain National Bank has pledged $20,000 to the Pendragon Theatre to support their efforts to construct a new theater facility in downtown Saranac Lake.  This gift comes as part of the Bank’s continuing commitment to the Saranac Lake community.

“Champlain National Bank has a deep commitment to giving back,” said Steven Cacchio, President and CEO.  “We are proud to support the Pendragon Theater, an organization that improves the quality of life in our community.”

“We are very grateful for the generosity of Champlain National Bank in support of Pendragon Theatre's efforts to create a new performing arts center in downtown Saranac Lake,” said Kimberley Bouchard, Artistic Director of the Pendragon Theatre.  “This gift will support the construction of the new building and the expansion of our community programming.  Partnerships like this one are at the core of what makes our region so special and our future so bright.”

The new theater will enable Pendragon Theatre to continuously improve the quality of their productions, increase the programming offered to the community, and enhance the overall audience experience.  It will contribute to the revitalization of Saranac Lake, providing jobs and helping attract visitors, as they come not only to appreciate the natural beauty of the area, but also to experience the vibrant arts community.

Pictured: Jill Michalsky (Pendragon), Kimberley Bouchard (Pendragon), Steven Cacchio, Renee Darrah

The Pendragon Theatre


May 14, 2020

To help our neighbors during the Coronavirus pandemic, Champlain National Bank donated to local philanthropic groups focused on providing food and childcare, and assisting the elderly and the unemployed in our region.  We want to thank organizations like ADK Action and the Adirondack Foundation who used our donations to make sure no one went hungry, and that other basic needs were met during the pandemic.

Local news coverage on why the Bank has given thousands to help people in need during the pandemic.

Lake Placid News
On The Scene: Adirondack Foundation Take The Lead

Emergency Food Package Contents Sun Fund Logo


May 8, 2020

Our Board Chairman Peter S. Paine Jr. was featured in a recent North Country Public Radio story.  Listen to what he has to say about reopening the North Country and what the pandemic means for the small towns in the Adirondacks.

North Country Public Radio
Caught Between a Rock and a Hard Place: Reactions Split Over Reopening the North Country

Peter Paine at Boquette Farm


May 6, 2020

Champlain National Bank is helping hundreds of its business and consumer clients who are struggling to pay their bills as a result of the Coronavirus outbreak by deferring loan and mortgage payments, allowing access to CD funds without penalty, and helping businesses apply for SBA Paycheck Protection Loans that are part of the federal CARES Act.

The bank has already provided millions in financial loan relief to help families, businesses, and school districts who are struggling.  As of May 5, 2020, approximately 240 applications for Paycheck Protection Program Loans have been processed, totaling $25 million through the SBA system.  The Bank has also deferred payments for 170 mortgages and other consumer loans totaling $7.5 million for clients who have fallen on hard times during the Coronavirus pandemic.

“Throughout its history, Champlain National Bank has shown its commitment to the community.  Whether providing relief and low interest loans to families struggling after Hurricane Irene, all the way back to keeping the bank funded during the Great Depression, we continue to show an unmatched commitment to the people in Essex, Clinton, and Franklin counties,” said Jackie Hallock, VP/Director of Marketing.

Clients are encouraged to call their local branch or (518) 561-6000 if they need help deferring their payments or (518) 562-1776 if they want to learn more about the Paycheck Protection federal program.

Local news coverage on how we are helping our clients.

Mountain Lake PBS
Tenants & Landlords Seek Help

Mountain Lake PBS
PPP Emergency Relief

Cuomo No-Eviction Order Leaves Landlords Waiting for Relief

Press Republican
Bank: Paycheck Program Helped North Country Business

Will the Paycheck Protection Program Help Businesses Survive?

Paycheck Protection Application Steven Cacchio Being Interviewed


May 1, 2020

Thanks to Ernie Galarza for inviting our VP/Director of Marketing Jackie Hallock onto his radio program on WNBZ 106.3 to talk about how Champlain National Bank is responding to the Coronavirus.

Jackie Hallock and Ernie Galarza


April 27, 2020

CFES Brilliant Pathways Kicks Off Nationwide Effort to Train 5,000 College and Career Advisors to Increase Student Success
Participants learn skills to assume roles as 'new drivers of college and career readiness'

Shared with Permission from CFES Brilliant Pathways

ESSEX, NY – Leaders in higher education, business and K-12 education shared the latest research and best practices with 50 individuals from New York and Vermont as part of a national effort by CFES Brilliant Pathways to train 5,000 College and Career Readiness Advisors by 2022.

The goal of the event was to train teachers, coaches, college students and community leaders to build knowledge and skills that help young people succeed in college and the workplace. Participants learned how to help students with admissions applications, financial aid, job shadowing, internships and to inspire them to continue to follow their dreams.

“I really appreciated the opportunity to learn about the college and career readiness work that CFES does with educators, partners, and communities,” said Barry Lampke, Community Engagement & Science Communications Manager at the ECHO Leahy Center for Lake Champlain. “It was inspiring to connect with such talented and committed people today. ECHO looks forward to working with CFES to expand STEM education and career path opportunities for students.”

CFES staff emphasized the importance of its three core practices – Essential Skills, college and career pathways and mentoring – in helping students reach their dreams. “College has to be about so much more than putting people in jobs. It’s about developing human skills,” said Cyrus Patten, assistant business dean at Champlain College and licenses clinical social worker, who cited a study that surveyed 6,000 corporate executives.

Several school counselors participated in the training and offered ideas for how CCR Advisors can support their efforts. The need for CCR advisors has never been greater given the current counselor-student ratio of 1 to 470, which is 1 to 900 for low-income students, according to the American School Counselor Association.

“That disturbing inequity plays out across the country,” said CFES Presidents Rick Dalton. “Those children who need the most help get the least, while those from advantaged backgrounds get an abundance. CCR Advisors are the future drivers of college and career readiness.”

The Essex training follows the first cohort of 20 graduates at the CFES National Conference in October. Participants are awarded College & Career Readiness Professional Development Certificates from CFES and receive continued support from CFES staff, online resources, webinars and other resources.

“As College and Career Readiness (CCR) advisors, lets tap into our networks to help scholars build their college pathway knowledge,” said Manny Tejeda, a CFES Program Director in New York City.

The topic of student debt and how to help students tap into the resources available to them was a major topic of discussion.

“Students are coming out of college with higher rates of student debt than ever before,” said Jackie Hallock, Vice President & Director of Marketing at Champlain National Bank. “The single most important way to reduce debt is to learn how to manage money. The sooner a student can get financial education, the better off they are going to be.”

Pictured: Jackie Hallock

Jacqueline Hallock Speaking at a Conference


April 1, 2020

Our Mortgage Loan Specialist, Michelle Lafountain, and one of our Mortgage Underwriters, Roxanne LaClair, were featured on a recent episode of Going Places with Ernie on WNBZ 106.3.  Find out what they had to say is the biggest mistake people make when applying for home financing, and one thing you can do to save yourself thousands of dollars with a mortgage.


Ernie Galarza with Microphone


March 5, 2020

Steven Cacchio, President and CEO of Champlain National Bank, is pleased to announce the following employees have been promoted:

Michelle Lafountain to Branch Operations Manager.  In her new role, she will continue to operate as the Bank’s Mortgage Loan Specialist.  Michelle started with Champlain National Bank in 2003 as a Teller.  In 2008 she was promoted to Branch Manager of the Champlain branch, and in 2017 also took over management of the Plattsburgh branch, where she was responsible for overseeing both locations.  In 2019 she became the Bank’s Mortgage Loan Specialist, while continuing to oversee the Plattsburgh branch.  Her volunteer activities include being the Treasurer for the North Country Youth Hockey Organization.  When Michelle isn’t working, she enjoys camping and spending time with her family and friends.

Portrait of Michelle Lafountain

Stephanie Coulombe to Branch Manager of both Plattsburgh and Champlain branches.  Stephanie started at Champlain National Bank in 2008 working in the Lake Placid branch before moving to the Champlain location.  She became Assistant Branch Manager in 2017 and Branch Manager in 2019.  In her free time she enjoys reading and spending time with her husband and two children: Landon and Leah.

Portrait of Stephanie Coulombe

Kelsey Monette to Champlain Assistant Branch Manager.  Kelsey joined Champlain National Bank in 2015 as a Teller in the Champlain branch.  She graduated from Clinton Community College with an AAS in Human Services.  Kelsey enjoys spending time with her family and watching her daughter grow.

Portrait of Kelsey Monette


February 4, 2020

Champlain National Bank is honored to announce it has once again earned BauerFinancial Inc.’s highest 5-Star Superior rating.  A 5-Star rating indicates that Champlain National Bank is one of the strongest financial institutions in the nation, excelling in such areas as capital, loan quality, profitability and much more.

“Our strong capital position has allowed us to maintain this 5-Star top quality rating,” said Steven Cacchio, President and CEO.  “It is a testament to our staff and reflects our continued commitment to our customers and our communities.”

BauerFinancial Inc. is the nation’s leading independent bank and credit union rating and research firm, and has been reporting on and analyzing the performance of US banks and credit unions since 1983.  No institution can pay for or opt out of a BauerFinancial rating.  Consumers may obtain free star-ratings by visiting

BauerFinancial Logo


January 10, 2020

Steven Cacchio, President and CEO of Champlain National Bank, is pleased to announce that Darlene Mirrer has been promoted to Senior Vice President of Retail Banking.

Ms. Mirrer started with Champlain National Bank in 2016 as the Vice President of the Consumer Loan Department.  Before coming to Champlain National Bank, Ms. Mirrer spent 30 years working for National Bank of Delaware County, most recently as Senior Vice President and Senior Lender.  Her banking career has included positions in business development, branch management, commercial and consumer lending, as well as training and compliance.  She enjoys running, snowmobiling, and spending time with friends and family.

“Darlene has had many accomplishments since joining the Bank, and is a leader who is very dedicated to our customers and employees,” said Cacchio.

Darlene Mirrer