Community Financial System Inc
communityfinancialsystem.comCommunity Financial System Inc (NYSE: CBU) is a regional bank holding company that provides commercial and retail banking services across Upstate New York, Northeastern Pennsylvania, Vermont, Western Massachusetts, and Southern New Hampshire. It makes money primarily through net interest income on loans and deposits, supplemented by fee-based revenue from insurance, wealth management, asset management, and treasury services. As of December 31, 2025, its banking subsidiary, Community Bank N.A., operates 192 full-service branches and 8 drive-thru only locations across 65 counties in those five states. Subsidiaries include OneGroup NY (full-service insurance agency), Nottingham Advisors (asset management for individuals, corporations, pension plans, and foundations), Nottingham Investment Services and Wealth Partners (broker-dealer and investment advisory), and CBNA Treasury Management Corporation (cash management and treasury services). The Bank also holds two preferred funding subsidiaries that invest in residential and commercial real estate activities.
Products & Services
Commercial banking, retail banking, cash management and treasury services (via CBNA Treasury Management Corporation), personal and commercial lines of insurance and risk management products (via OneGroup NY), broker-dealer and investment advisory services (via Nottingham Investment Services and Nottingham Wealth Partners), asset management for individuals and institutions (via Nottingham Advisors), residential and commercial real estate investment activities (via CBNA Preferred Funding Corporation and Oneida Preferred Funding II LLC).
Revenue Model
Net interest income from commercial and retail loans and deposits, plus non-interest fee income from insurance products, broker-dealer and investment advisory services, asset management, and cash management and treasury services.
Customers & Markets
Individual retail banking customers, commercial borrowers, corporations, corporate pension and profit sharing plans, foundations, and insurance buyers across Upstate New York, Northeastern Pennsylvania, Vermont, Western Massachusetts, and Southern New Hampshire.
Geographic Exposure
42 counties of Upstate New York, 9 counties of Northeastern Pennsylvania, 12 counties of Vermont, 1 county of Western Massachusetts, and 1 county of Southern New Hampshire, as of December 31, 2025.
Financial Snapshot
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