BanksCOMMUNITY BANK, NATIONAL ASSOCIATION

COMMUNITY BANK, NATIONAL ASSOCIATION

CANTON, NYRegionalEst. Jan. 1, 1866, midnightFDIC #6989RSSD #202907OCC
Latest · 2025-12-31

COMMUNITY BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 12.02%, well above regulatory minimums. NPL ratio: 0.45% · Texas Ratio: 3.39%. Operates 207 domestic branches.

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 Margin3.43%
Yield on Assets4.69%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.45%
Net Charge-Off Ratio0.14%
Texas Ratio3.39%
NPA Ratio0.34%
ACL / Loans0.81%

Capital & Liquidity

CET1 Ratio12.02%
Tier 1 Capital12.02%
Total Capital Ratio12.84%
Leverage Ratio7.85%
Loan-to-Deposit75.24%

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