COMMUNITY BANK, NATIONAL ASSOCIATION

CANTON, NY | Regional | Est. Jan. 1, 1866, midnight | FDIC #6989 | RSSD #202907 | OCC
Latest Report: 2025-12-31

COMMUNITY BANK, NATIONAL ASSOCIATION is arn regional FDIC-insured commercial bank headquartered in CANTON, NY, established in Jan. 1, 1866, midnight. As of 2025-12-31, the bank reported total assets of $17.0B and total deposits of $14.6B. Profitability stands at 1.17% ROA and 12.47% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.39%. FDIC Certificate #6989.

Assets

$17.0B

Deposits

$14.6B

Loans

$11.0B

Equity

$1.6B

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 12.47%
Net Interest Margin (NIM) 3.43%
Yield on Assets 4.69%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.14%
Texas Ratio 3.39%
NPA Ratio 0.34%
ACL / Loans 0.81%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 12.84%
Leverage Ratio 7.85%
Loan-to-Deposit 75.24%

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