Community Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Community Bank, N.A. is an FDIC-insured commercial bank headquartered in Canton, NY, established in 1866 (FDIC certificate 6989), and it is supervised by the OCC. At Q2 2026 it reported total assets of $17.45B, up 6.4% from Q2 2025, the 8th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 11.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6989
- Headquarters
- Canton, NY
- Established
- 1866
- Total assets, Q2 2026
- $17.45B
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 11.72%
- Domestic offices
- 214 FDIC institution directory, current count
- Routing number
- 021305386
- Latest call report
- Q2 2026, FFIEC 041 · Community Bank, N.A. call report
- Holding company
- COMMUNITY FINANCIAL SYSTEM, INC.
- Asset rank in state
- 8th of 105 in New York
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%. The figures come from its call report filed with the FFIEC.
Community Bank, N.A. ranks as the 8th largest of the 105 banks based in New York, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $17.45B, loans rose 1.4% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.7% of total loans, ahead of auto loans at 15.5%. On its Q2 2026 call report, Community Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 214 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Community Bank, N.A.'s total assets moved between a low of $15.15B (Q3 2023) and a high of $17.45B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$17.45B total assets against $16.41B; $15.78B total liabilities against $14.91B.
$11.19B net loans and leases against $10.44B; $14.87B total deposits against $13.90B.
$4.43B securities against $4.26B; $228.7M cash and balances due against $213.8M.
$184.3M total interest income against $172.7M; $45.6M total interest expense against $48.5M.
$138.7M net interest income against $124.2M.
$35.5M total noninterest income against $32.4M; $101.5M total noninterest expense against $93.3M.
$4.6M provision for credit losses against $4.8M.
$52.8M net income against $46.0M.
1.20% return on assets against 1.10%; 3.46% net interest margin against 3.27%.
11.72% CET1 capital ratio against 12.49%; 7.86% tier 1 leverage ratio against 7.99%.
Inside the full Community Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 112 of 4,196, for total assets; its furthest is 1,802 of 2,134, for CET1 ratio.
Banks merged into Community Bank, N.A.
- Clearpoint Federal Bank & Trust, effective June 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.20% (Q2 2026) and its net interest margin ran from 3.05% (Q3 2024) to 3.46% (Q2 2026).
| 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
View all 210 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 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
- 44 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Community Bank, N.A. headquartered?
It is headquartered in Canton, NY, United States.
When was Community Bank, N.A. founded?
It was established in 1866, per the FDIC institution directory.
Is Community Bank, N.A. FDIC-insured?
Yes. It 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.
What is Community Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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