Community Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Community Bank, N.A., based in Canton, New York, reported $17.4 billion in assets at June 30, 2026, up 6.4% from a year earlier. It pays an average of 1.17% on its deposits and borrowings, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). On the other hand, it funds 7.86% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.25%).
Unrealized losses on its securities total $386 million, equal to 29% of Tier 1 capital, against 34% a year earlier. Net income for the quarter rose 15% from a year earlier, to $53 million. Credit is the area to watch: it carries problem assets equal to 6.7% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 4.2%).
As of June 30, 2026, Community Bank, N.A. reported a CET1 capital ratio of 11.72%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 6.73%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 45-49 Court Street, Canton, NY 13617
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1866
- Former names
- The St. Lawrence National Bank (1972-1992); The St. Lawrence County National Bank (1971-1972)
- Offices
- 214 domestic
- Employees (FTE)
- 2,119
- Domestic deposits
- $14.87B
- Allowance for credit losses
- $91.7M
- Net charge-offs (YTD)
- $6.3M
- Average total assets
- $17.60B
- Average total loans
- $11.18B
- Average interest-bearing deposits
- $10.97B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6989
- Fed RSSD
- 202907
- SEC CIK
- 723188 → filed by COMMUNITY FINANCIAL SYSTEM, INC.
- Website
- www.cbna.com →
- Parent Holding Company
- COMMUNITY FINANCIAL SYSTEM, INC. (RSSD 1048867) · CBU
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Dimitar Karaivanov | CEO | President & CEO |
| Wlos Marya Burgio | CFO | EVP & Chief Financial Officer |
| Michael N Abdo | GC | EVP and General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Community Bank, N.A.
- Clearpoint Federal Bank & Trust, effective June 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.72% | 1.20% | 0.50% | 6.73% | 3.46% |
| Q1 2026 | 11.98% | 1.15% | 0.48% | 6.53% | 3.39% |
| Q4 2025 | 12.02% | 1.15% | 0.52% | 7.02% | 3.40% |
| Q3 2025 | 12.50% | 1.12% | 0.52% | 7.11% | 3.33% |
| Q2 2025 | 12.49% | 1.10% | 0.51% | 7.36% | 3.27% |
| Q1 2025 | 12.27% | 0.98% | 0.72% | 9.85% | 3.18% |
| Q4 2024 | 11.96% | 1.01% | 0.70% | 10.86% | 3.20% |
| Q3 2024 | 11.69% | 0.85% | 0.61% | 9.13% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 210 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Plattsburgh 468 Rt 3 Branch | Plattsburgh , NY | 12901 | $611.0M |
| Dewitt Bridge St Branch | East Syracuse , NY | 13057 | $523.1M |
| Olean N Union St Branch | Olean , NY | 14760 | $503.2M |
| Canton Branch | Canton , NY | 13617 | $327.2M |
| Watertown 216 Washington St Branch | Watertown , NY | 13601 | $297.2M |
| Malone W Main St Branch | Malone , NY | 12953 | $233.0M |
| Hornell Steubens Square Branch | Hornell , NY | 14843 | $213.8M |
| Lowville State St Branch | Lowville , NY | 13367 | $213.0M |
| Wellsville Branch | Wellsville , NY | 14895 | $203.7M |
| Gowanda Branch | Gowanda , NY | 14070 | $175.7M |
| Wilkes-Barre Liberty Plaza Branch | Wilkes Barre , PA | 18702 | $147.7M |
| Elmira Branch | Elmira , NY | 14901 | $147.7M |
| Potsdam Market St Branch | Potsdam , NY | 13676 | $145.1M |
| Ogdensburg State St Branch | Ogdensburg , NY | 13669 | $143.1M |
| Orchard Park Branch | Orchard Park , NY | 14127 | $137.2M |
| Syracuse Hanover Square Branch | Syracuse , NY | 13202 | $132.9M |
| Oneonta Main St Branch | Oneonta , NY | 13820 | $132.6M |
| Horseheads Grand Central Ave Branch | Horseheads , NY | 14845 | $125.9M |
| Valatie Branch | Valatie , NY | 12184 | $125.3M |
| Oneonta Chestnut St Branch | Oneonta , NY | 13820 | $123.3M |
| Oswego Branch | Oswego , NY | 13126 | $120.4M |
| Plattsburgh Margaret St Branch | Plattsburgh , NY | 12901 | $120.0M |
| Cazenovia Branch | Cazenovia , NY | 13035 | $118.5M |
| Dansville Branch | Dansville , NY | 14437 | $118.3M |
| Geneva Seneca St Branch | Geneva , NY | 14456 | $116.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2026 | Structure Change | Acquired Clearpoint Federal Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2026 | M&A | Acquired Clearpoint Federal Bank & Trust merger for the acquired bank | SEC |
| May 14, 2022 | M&A | Acquired Elmira Savings Bank merger for the acquired bank | SEC |
| May 14, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 14, 2022 | Structure Change | Acquired Elmira Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2020 | M&A | Acquired Steuben Trust Company merger for the acquired bank | SEC |
| June 13, 2020 | Structure Change | Acquired Steuben Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 13, 2019 | M&A | Acquired The National Union Bank of Kinderhook merger for the acquired bank | SEC |
| July 13, 2019 | Structure Change | Acquired The National Union Bank of Kinderhook Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2017 | M&A | Acquired Merchants Bank merger for the acquired bank | SEC |
| May 13, 2017 | Structure Change | Acquired Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2015 | M&A | Acquired State Bank of Chittenango merger for the acquired bank | SEC |
| December 5, 2015 | Structure Change | Acquired State Bank of Chittenango Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 2011 | M&A | Acquired Wilber National Bank merger for the acquired bank | SEC |
| April 9, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 2011 | Structure Change | Acquired Wilber National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2007 | Structure Change | Acquired The Tupper Lake National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2007 | M&A | Acquired The Tupper Lake National Bank merger for the acquired bank | SEC |
| June 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2006 | Structure Change | Acquired Ontario National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 2, 2006 | M&A | Acquired Ontario National Bank merger for the acquired bank | SEC |
| December 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2006 | M&A | Acquired Elmira Savings and Loan F.A. merger for the acquired bank | SEC |
| August 12, 2006 | Structure Change | Acquired Elmira Savings and Loan F.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2004 | Structure Change | Acquired First Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2004 | M&A | Acquired First Heritage Bank merger for the acquired bank | SEC |
| May 14, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2003 | M&A | Acquired Grange National Bank merger for the acquired bank | SEC |
| November 22, 2003 | Structure Change | Acquired Grange National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 21, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2003 | M&A | Acquired Ogdensburg Federal Savings and Loan Association merger for the acquired bank | SEC |
| September 6, 2003 | Structure Change | Acquired Ogdensburg Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 12, 2001 | Structure Change | Acquired First Liberty Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2001 | M&A | Acquired First Liberty Bank & Trust merger for the acquired bank | SEC |
| May 11, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 27, 2001 | Structure Change | Acquired The Citizens National Bank of Malone Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 27, 2001 | M&A | Acquired The Citizens National Bank of Malone merger for the acquired bank | SEC |
| January 26, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 1994 | Structure Change | Acquired Columbia Banking Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 4, 1994 | M&A | Acquired Columbia Banking Federal Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| January 2, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 48 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Community Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action December 17, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in NY, rank 23 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 7,187 applications, 4,913 loans originated, $925.5M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $2.6M approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 43 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Community Bank, N.A.
What are Community Bank, N.A.'s total assets?
As of the Q2 2026 filing, Community Bank, N.A. reported total assets of $17.45 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community Bank, N.A. headquartered?
Community Bank, N.A. is headquartered in Canton, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Community Bank, N.A. founded?
Community Bank, N.A. was established in 1866, per the FDIC institution directory.
Is Community Bank, N.A. FDIC-insured?
Yes. Community Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #6989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank, N.A.?
Community Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community Bank, N.A.'s CET1 capital ratio?
Community Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community Bank, N.A. operate?
Community Bank, N.A. operates 214 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank, N.A.'s Texas Ratio?
Community Bank, N.A.'s Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Community Bank, N.A. previously called?
The charter now named Community Bank, N.A. has also operated as The St. Lawrence National Bank (1972-1992), The St. Lawrence County National Bank (1971-1972), per FDIC structure-change records.
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