Community Financial System, Inc. Financials, FR Y-9C Data and Filings
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Community Financial System, Inc. is a bank holding company based in New York with $17.76B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve. It owns 1 bank that files a call report: Community Bank, N.A. ($17.45B in assets). Its shares trade under the ticker CBU, and it files with the SEC under CIK 723188: see its SEC filings and 8-K events.
Key Financials FR Y-9C, consolidated, as of June 30, 2026
- Total assets
- $17.76B
- Total deposits
- $14.71B
- Total equity
- $2.07B
- Net income (Q2 2026)
- $61.3M
- ROA
- 1.37%
- ROE
- 11.98%
- Net interest margin
- 3.47%
- CET1 ratio
- 13.75%
- Total loans
- $11.28B
- Efficiency ratio
- 60.63%
- Equity / assets
- 11.67%
- Tier 1 leverage ratio
- 9.26%
- Total capital ratio
- 14.56%
- Employees (FTE)
- 2,826
Source: FR Y-9C for June 30, 2026, consolidated across the holding company's banks and nonbank subsidiaries. Net income is for Q2 2026 alone; ROA, ROE and net interest margin annualize that quarter, and the margin is tax-equivalent, on average earning assets. Deposits add domestic and foreign-office deposits (Schedule HC, item 13). Capital ratios are as filed on Schedule HC-R (CET1: BHCAP793). Bank-level figures in the tables below come from each bank's own call report.
Bank Subsidiaries 1 bank held directly or through another holding company
| Bank | Charter | State | Total assets (call report) | Share of bank assets | Held through |
|---|---|---|---|---|---|
| Community Bank, N.A. | National Bank | NY | $17.45B | 100.0% | Held directly |
Questions About Community Financial System, Inc.
What are Community Financial System, Inc.'s total assets?
Community Financial System, Inc. reported $17.76B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve.
How many banks does Community Financial System, Inc. own?
Community Financial System, Inc. owns 1 bank that files a call report: Community Bank, N.A.
Who owns Community Bank, N.A.?
Community Bank, N.A. is owned by Community Financial System, Inc. The bank reported $17.45B in total assets on its latest call report.
Where can I find Community Financial System, Inc.'s FR Y-9C?
Community Financial System, Inc. files the FR Y-9C with the Federal Reserve every quarter. The reports are public on the FFIEC National Information Center under RSSD ID 1048867. This page summarizes the FR Y-9C for Q2 2026.
Does Community Financial System, Inc. file with the SEC?
Yes. Community Financial System, Inc. files with the SEC under Central Index Key (CIK) 723188 and trades under the ticker CBU.
Filing Details fiscal year and SEC registration
- Fiscal year end
- December 31
- Ticker
- CBU
- SEC CIK
- 723188
- SEC filings
- Filings and 8-K events
Organization Map select + to expand a subsidiary's own holdings
- Community Financial System, Inc.Holding Company NY RSSD 1048867$17.76B
- National Bank NY RSSD 202907$17.45B
- Nonbank Subsidiary NY RSSD 2492243
-
Direct Subsidiaries 2 active direct subsidiaries
| Entity | Type | State | Total Assets | Share of bank subsidiary assets |
|---|---|---|---|---|
| Community Bank, N.A. · 202907 | National Bank | NY | $17.45B | 100.0% |
| Benefit Plans Administrative Services, Inc. · 2492243 | Nonbank Subsidiary | NY | — | — |
Share of bank subsidiary assets divides each bank's total assets by the combined assets of the bank subsidiaries listed. Nonbank subsidiaries are not counted.
Regulator records: FFIEC NIC profile (RSSD 1048867)