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BDI
CB

Community Bank, National Association

Canton, New YorkFDIC Cert #6989

OCCEstablished 1866203 branches

Holding company: COMMUNITY FINANCIAL SYSTEM INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.63%
+11.5%y/y
Peer standing18th percentile
Peer standing in ubpr:primary:2
FDICP3ASSET + LNLSGR
90+ %
0.06%
+4.2%y/y
Peer standing31st percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + LNLSGR
Nonaccrual %
0.42%
−36.1%y/y
Peer standing66th percentile
Peer standing in ubpr:primary:2
FDICNAASSET + LNLSGR
Noncurrent %
0.48%
−32.9%y/y
Peer standing67th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.35%
−24.7%y/y
Peer standing66th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$61.8M
−20.4%y/y
Peer standing72nd percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.11%
−27.3%y/y
Peer standing57th percentile
Peer standing in ubpr:primary:2
FDICNTLNLS + LNLSGR
NCO
$2.97M
−23.4%y/y
Peer standing63rd percentile
Peer standing in ubpr:primary:2
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.81%
+1.5%y/y
Percentile by value14th percentileby value
Peer standing in ubpr:primary:2
FDICLNATRES + LNLSGR
30–89
$70.5M
+19.0%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:2
FDICP3ASSET
90+
$6.6M
+11.3%y/y
Peer standing39th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET
Nonaccrual
$47.1M
−31.8%y/y
Peer standing75th percentile
Peer standing in ubpr:primary:2
FDICNAASSET