CBU on NYSE

Community Bank, N.A.

Logo: http://www.communitybankna.com/, Non-free logo, via Wikipedia5

Bank

Community Bank, N.A. (CBNA) is a commercial bank in the United States serving customers in Upstate New York, Northeastern Pennsylvania, Lehigh Valley, Vermont and Massachusetts. It is the wholly owned national banking subsidiary of Community Financial System, Inc. (CFSI). Community Bank is headquartered in DeWitt, New York, a suburb of Syracuse.3 Its shares trade on NYSE under the symbol CBU.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1866Founded1

Compare with Comerica, Huntington Bancshares or Republic Bank & Trust Company, or pick any stock.

  • TickerCBU on NYSE1
  • Industryeconomics of banking, financial sector, financial services1
  • HeadquartersDeWitt1
  • Websitecbna.com
  • Legal formnational bank1
  • LEI5493005RDTT7HVODH4364
  • StatusActive4
  • LEI statusIssued and current4
  • Registered address45-49 Court Street, 13617 Canton, United States4
  • Registered withFederal Deposit Insurance Corporation, 69894

Community Bank, N.A. (CBNA) is a commercial bank in the United States serving customers in Upstate New York, Northeastern Pennsylvania, Lehigh Valley, Vermont and Massachusetts. It is the wholly owned national banking subsidiary of Community Financial System, Inc. (CFSI). Community Bank is headquartered in DeWitt, New York, a suburb of Syracuse.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

25.7%Net margin8
9.6%Revenue growth, 20258
10.5%Return on equity8
$233.3MFree cash flow8

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Business segments

Banking and Corporate Services brought in 72% of the revenue Community Bank, N.A. broke down this way in fiscal 2025.

  1. Banking and Corporate Services$588.8M872%up 12% from 2024
  2. Employee Benefit Services$137.5M817%up 4% from 2024
  3. Insurance Services$54.4M87%up 8% from 2024
  4. Wealth Management Services$37.2M85%up 1% from 2024
Business segments by year
Business segments202320242025
Banking and Corporate Services$506.1M$525.9M$588.8M
Employee Benefit Services$119.1M$132.8M$137.5M
Insurance Services$47.3M$50.5M$54.4M
Wealth Management Services$31.9M$36.7M$37.2M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs43¢$349.9M
  • Interest24¢$192.7M
  • Income tax8¢$64.9M
  • Profit26¢$210.5M

Out of $818.0M in revenue.8

Where each dollar of operating cash went, fiscal 2025

  • Capital spending23¢$68.5M
  • Dividends paid32¢$97.6M
  • Share buybacks4¢$11.2M
  • Kept or used elsewhere41¢$124.6M

Out of $301.9M of cash from operations.8

Financial statements

Revenue98$818.0M in 2025+20% since 2022
0$250.0M$500.0M$750.0M$1.0B2022: $679.4M$679.4M20222023: $652.1M$652.1M2023−4%2024: $746.3M$746.3M2024+14%2025: $818.0M$818.0M2025+10%
Net income10111298$210.5M in 2025+24% since 2019
0$100.0M$200.0M$300.0M2019: $169.1M$169.1M20192020: $164.7M$164.7M2020−3%2021: $189.7M$189.7M2021+15%2022: $188.1M$188.1M2022−1%2023: $131.9M$131.9M2023−30%2024: $182.5M$182.5M2024+38%2025: $210.5M$210.5M2025+15%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$596.7M$545.8M$445.2M
Interest and dividends on taxable investments$91.5M$85.7M$82.4M
Interest and dividends on nontaxable investments$11.0M$12.0M$13.9M
Total interest income$699.3M$643.5M$541.4M
Interest on deposits$162.2M$159.5M$85.3M
Interest on borrowings$30.5M$34.9M$18.8M
Total interest expense$192.7M$194.4M$104.1M
Net interest income$506.6M$449.1M$437.3M
Provision for credit losses$21.4M$22.8M$11.2M
Net interest income after provision for credit losses$485.2M$426.3M$426.1M
Deposit service fees$59.4M$58.3M$54.7M
Mortgage banking$3.5M$4.4M$595.0K
Other banking services$21.0M$15.8M$14.7M
Employee benefit services$136.0M$131.0M$118.0M
Insurance services$54.4M$50.2M$47.1M
Wealth management services$37.1M$36.7M$31.9M
Loss on sales of investment securities$0-$487.0K-$52.3M
Gain on debt extinguishment$0$0$242.0K
Unrealized gain (loss) on equity securities$375.0K$1.2M-$47.0K
Loss from equity method investments-$285.0K$0$0
Total noninterest revenues$311.5M$297.2M$214.8M
Salaries and employee benefits$313.9M$300.8M$281.8M
Data processing and communications$70.2M$61.8M$57.6M
Occupancy and equipment$48.2M$43.7M$42.5M
Business development and marketing$15.1M$16.1M$15.7M
Legal and professional fees$17.9M$15.3M$15.9M
Amortization of intangible assets$13.8M$14.3M$14.5M
Other expenses$42.1M$34.9M$44.6M
Total noninterest expenses$521.3M$486.8M$472.7M
Income before income taxes$275.4M$236.7M$168.2M
Income taxes$64.9M$54.2M$36.3M
Net income$210.5M$182.5M$131.9M
Basic earnings per share (in dollars per shares)$3.98$3.44$2.45
Diluted earnings per share (in dollars per shares)$3.97$3.44$2.45

Compare Community Bank, N.A. with another company

Corporate structure

Community Bank, N.A. is part of a group headed by COMMUNITY FINANCIAL SYSTEM, INC.. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Community Bank, N.A.

  • FMR LLC Filed SCHEDULE 13G/A on Community Bank, N.A., latest Aug 6, 2026 (2 filings since May 6, 2026)
  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Community Bank, N.A., latest Apr 29, 2026
  • VANGUARD PORTFOLIO MANAGEMENT LLC Filed SCHEDULE 13G on Community Bank, N.A., latest Apr 29, 2026
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Community Bank, N.A., latest Mar 26, 2026 (4 filings since Feb 9, 2022)
  • State Street Corporation Filed SCHEDULE 13G on Community Bank, N.A., latest May 13, 2025 (5 filings since Feb 11, 2022)
  • Neuberger Berman Filed SC 13G on Community Bank, N.A., latest Feb 12, 2024 (3 filings since Feb 11, 2022)
  • BlackRock Filed SC 13G/A on Community Bank, N.A., latest Jan 23, 2024 (5 filings since Jan 25, 2022)
  • COMMUNITY FINANCIAL SYSTEM, INC. Syracuse, New York, United States
    • Community Bank, N.A. Canton, New York, United States
    • NOTTINGHAM ADVISORS, INC. Subsidiary · Amherst, New York, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

The story

Community Bank, N.A. is the wholly owned national banking subsidiary of Community Bank System, Inc. (CBSI), whose predecessor bank was the St. Lawrence National Bank, chartered in 1866. In 1983, CBSI was incorporated in Delaware and became a registered bank holding company. CBSI maintains its headquarters in DeWitt, New York and is a full-service financial institution, offering complete consumer, business, and financial services.

Regional administrative locations of the bank are located in Canton and Olean, New York, and Wilkes-Barre, Pennsylvania and these offices share operational responsibility for customer facilities and ATMs throughout Northern New York, the Finger Lakes Region, the Southern Tier, Southwestern New York, and Northeastern Pennsylvania. In a recent acquisition, Community Bank N.A. gained Vermont and Massachusetts branches.

Other subsidiaries within the CBSI family are Nottingham Advisors, Inc., an investment management firm based in Buffalo, New York; CBNA Insurance Agency, Inc., a full-service property and casualty insurer; Benefit Plans Administrative Services, LLC, a pension administration and consulting firm located in Utica, New York, serving sponsors of defined benefit and defined contribution plans; Harbridge Consulting Group, LLC, an actuarial pension and consulting business located in Syracuse, New York; and Hand Securities, Inc., a broker/dealer delivering financial products and long-term health and other insurance products from selected locations within Community Bank's branch system.

From Wikipedia’s article on Community Bank, N.A., shared under CC BY-SA 4.0.6

Leadership

Who has led Community Bank, N.A., and when. Pick a name to see everywhere that person has worked.

Board members and other officers (41)

Subsidiaries and ownership

Parent company (GLEIF)

Subsidiaries (Exhibit 21)

  • BPAS Actuarial and Pension Services, LLC New York7
  • BPAS Trust Company of Puerto Rico Puerto Rico7
  • Benefit Plans Administrative Services, Inc. New York7
  • Benefit Plans Administrative Services, LLC New York7
  • CBNA Preferred Funding Corp. Delaware7
  • CBNA Treasury Management Corporation New York7
  • Emerald Necklace Ventures, LLC New York7
  • Global Trust Company, Inc. Maine7
  • Gordon B. Roberts Agency, LLC New York7
  • Hand Benefits & Trust Company Texas7
  • Hand Securities, Inc. Texas7
  • Northeast Retirement Services, LLC Delaware7
  • Nottingham Advisors, Inc. Delaware7
  • Nottingham Investment Services, Inc. New York7
  • Nottingham Wealth Partners, Inc. New York7
  • OneGroup NY, Inc. New York7
  • Oneida Preferred Funding II, LLC New York7
  • The Carta Group, Inc. New York7
  • The Patrick Maguire Agency, Inc. New York7

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record. The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Aug 21, 20268-K Regulation FD disclosure65
  2. Jul 28, 20268-K Results of operations66
  3. Jun 1, 20268-K Other events67
  4. May 22, 20268-K Shareholder vote68
  5. May 13, 20268-K Regulation FD disclosure69
  6. Apr 29, 20268-K Results of operations70
  7. Feb 11, 20268-K Regulation FD disclosure71
  8. Feb 11, 20268-K Executive or director change72
  9. Jan 27, 20268-K Results of operations73
  10. Jan 15, 20268-K Regulation FD disclosure; Other events74
  11. Jan 6, 20268-K Executive or director change; Other events75
  12. Nov 12, 20258-K Regulation FD disclosure76
  13. Feb 14, 2024New chief executive Dimitar Karaivanov becomes CEO16
  14. Jan 19, 2007New chief executive Mark E. Tryniski becomes CEO17
  15. Jan 31, 2006New chief executive Sanford A. Belden becomes CEO18
  16. Nov 1, 1985Went public Listed on NYSE1
  17. Apr 15, 1983Parent Directly consolidated by COMMUNITY FINANCIAL SYSTEM, INC.4
  18. 1866Founded Founded1

Calendar

Coming up

  1. Oct 27, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $1.04 a share, on Oct 21, 2025.77

When it reported results

  1. Jul 28, 2026Reported quarterly or annual results66
  2. Apr 29, 2026Reported quarterly or annual results70
  3. Jan 27, 2026Reported quarterly or annual results73
  4. Oct 21, 2025Reported quarterly or annual results78
  5. Jul 22, 2025Reported quarterly or annual results79
  6. Apr 29, 2025Reported quarterly or annual results80
  7. Jan 21, 2025Reported quarterly or annual results81
  8. Oct 22, 2024Reported quarterly or annual results82

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

455 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 63 major events, 310 insider forms, 21 large holders, 41 other. The latest 20:

  1. Sep 18, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 18, 20264 PRIMARY DOCUMENT EDGAR
  3. Sep 10, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 28, 20264 PRIMARY DOCUMENT EDGAR
  5. Aug 26, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 21, 20268-K EDGAR
  7. Aug 7, 202610-Q EDGAR
  8. Aug 6, 2026SCHEDULE 13G/A EDGAR
  9. Jul 28, 20268-K EDGAR
  10. Jul 20, 2026144 EDGAR
  11. Jun 29, 20264 PRIMARY DOCUMENT EDGAR
  12. Jun 26, 2026144 EDGAR
  13. Jun 18, 202611-K EDGAR
  14. Jun 18, 20264 PRIMARY DOCUMENT EDGAR
  15. Jun 18, 20264 PRIMARY DOCUMENT EDGAR
  16. Jun 11, 20264 PRIMARY DOCUMENT EDGAR
  17. Jun 10, 20264 PRIMARY DOCUMENT EDGAR
  18. Jun 8, 2026144/A EDGAR
  19. Jun 8, 2026144 EDGAR
  20. Jun 1, 20268-K EDGAR

The 455 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Dimitar A. KaraivanovPresident, Chief Executive Officer and Director44$900.0K$2.8M90
2025Jeffrey M. LevyRetired SVP and Chief Banking Officer$461.2K$1.2M90
2025Joseph E. SutarisRetired EVP and Chief Financial Officer$263.1K$1.2M90
2025Maureen Gillan-MyerEVP and Chief Administration and Human Resources Officer$433.5K$1.1M90
2025Michael N. AbdoEVP and General Counsel$433.0K$1.1M90
2025Marya Burgio WlosEVP and Chief Financial Officer$365.4K$881.1K90
2024Dimitar A. KaraivanovPresident, Chief Executive Officer and Director44$893.4K$2.7M90
2024Joseph E. SutarisRetired EVP and Chief Financial Officer$489.4K$1.2M90
2024Jeffrey M. LevyRetired SVP and Chief Banking Officer$449.3K$1.0M90
2024Maureen Gillan-MyerEVP and Chief Administration and Human Resources Officer$414.2K$985.7K90
2024Michael N. AbdoEVP and General Counsel$391.1K$949.6K90
2023Dimitar A. KaraivanovPresident, Chief Executive Officer and Director44$542.3K$1.3M90
2023Joseph E. SutarisRetired EVP and Chief Financial Officer$475.2K$1.1M90
2023Maureen Gillan-MyerEVP and Chief Administration and Human Resources Officer$399.0K$848.4K90
2023Jeffrey M. LevyRetired SVP and Chief Banking Officer$400.0K$842.8K90

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.7,556,770$507.2M0.0%+42,948
Fmr LLC3,678,108$246.9M0.0%+651,736
Vanguard Portfolio Management LLC3,549,062$238.2M0.0%+23,302
Neuberger Berman Group LLC3,456,640$232.0M0.2%−258,785
State Street Corp3,313,651$223.9M0.0%+163,311
Vanguard Capital Management LLC2,364,665$158.7M0.0%−9,474
Dimensional Fund Advisors LP1,843,474$123.7M0.0%+25,079
Morgan Stanley1,682,284$112.9M0.0%−178,802
Geode Capital Management, LLC1,359,907$91.3M0.0%+62,166
Federated Hermes, Inc.738,531$49.6M0.1%−16,270
Northern Trust Corp657,590$44.1M0.0%+37,078
Charles Schwab Investment Management Inc635,278$42.6M0.0%−3,733
Norges Bank567,244$38.1M0.0%New
Bank of New York Mellon Corp544,140$36.5M0.0%+13,238
Massachusetts Financial Services Co /ma/450,410$30.2M0.0%New
Riggs Asset Managment Co. Inc.411,432$27.6M4.9%−5,724
Segall Bryant & Hamill, LLC392,351$26.3M0.3%+39,201
Deprince Race & Zollo Inc368,124$24.7M0.4%−162,750
Vanguard Fiduciary Trust Co356,833$24.0M0.0%+11,196
Basswood Capital Management, L.l.c.321,017$21.5M0.9%New
Nfj Investment Group, LLC260,075$17.5M0.6%−419,881
UBS Group AG259,422$17.4M0.0%+107,266
Principal Financial Group Inc254,722$17.1M0.0%−1,668
Bank Of America Corp /de/246,960$16.6M0.0%−351,826
Adage Capital Partners Gp, L.l.c.236,766$15.9M0.0%+160,000

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

3 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jun 17, 2025Lisa C. McClainRepublican, HouseSale$1,001 - $15,000+17.5%Report
Jun 11, 2025Lisa C. McClainRepublican, HouseBuy$1,001 - $15,000−23.1%Report
Jul 12, 2023Daniel S. GoldmanDemocratic, HouseSale$15,001 - $50,000+38.0%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Community Bank, N.A. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCOMMUNITY BANK2
  • CIK0001257282
  • Business addressPo Box 1368, Pilot Mountain, NC 270412
  • Phone33626853342
  • On EDGAR sinceJul 30, 20032
  • Filings1 in all: 425 (1)2

Sources

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