$11.1B
+6.8%y/y
Percentile by value28th percentileby value
FDIC
LNLSGRCB
Community Bank, National Association
Canton, New YorkFDIC Cert #6989
OCCEstablished 1866203 branches
Holding company: COMMUNITY FINANCIAL SYSTEM INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $846M |
| Investor CRE | $1.44B |
| Multifamily | $907M |
| Construction | $373M |
| 1–4 family | $4.25B |
| C&I | $976M |
| Agriculture | $97.7M |
| Other | $2.24B |
Loan book
Reported balances and balance-sheet intensity.
$11B
+6.8%y/y
Percentile by value28th percentileby value
FDIC
LNLSNET+6.79%
+26.9%y/y
Percentile by value52nd percentileby value
FDIC
LNLSNET73.5%
+0.2%y/y
Percentile by value24th percentileby value
FDIC
LNLSNET + DEP63.3%
+1.1%y/y
Percentile by value28th percentileby value
FDIC
LNLSNET + ASSET72.45%
−1.1%y/y
Percentile by value49th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
193%
+1.5%y/y
Percentile by value41st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC26%
−4.5%y/y
Percentile by value39th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,841points
−3.7%y/y
Peer standing40th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.60%
−1.4%y/y
Percentile by value39th percentileby value
FDIC
LNRENROW + LNLSGR12.98%
−1.7%y/y
Percentile by value28th percentileby value
FDIC
LNRENROT + LNLSGR8.77%
+4.6%y/y
Percentile by value23rd percentileby value
FDIC
LNCI + LNLSGR