Community Bank, National Association
Canton, New York, St. Lawrence County
$17.4B in total assets, the 117th largest of 4,309 US banks and 12th of 126 headquartered in New York.
- FDIC certificate
- 6989
- Established
- 1866
- Owned by
- Community Financial System Inc
- Primary regulator
- OCC
- Website
- www.cbna.com
At a glance
Compared with 15 banks headquartered in New York with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $17.4B | 53% | $16.2B | |
| Loans | $11.3B | 40% | $11.9B | |
| Deposits | $14.9B | 60% | $13.7B | |
| Return on assets | 1.17% | 67% | 0.95% | |
| Net interest margin | 3.50% | 89% | 2.51% | |
| Efficiency ratio | 57.1% | 22% | 63.7% | |
| Equity to assets | 9.55% | 44% | 10.22% | |
| Loans to deposits | 76% | 29% | 86% |
Growth
Total assets grew 3.6% a year over the last 5 years and 7.2% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2026 | ClearPoint Federal Bank & Trust Batesville, IN | $134M |
| May 2022 | Elmira Savings Bank Elmira, NY | $614M |
| Jun 2020 | Steuben Trust Company Hornell, NY | $571M |
| Jul 2019 | The National Union Bank of Kinderhook Kinderhook, NY | $648M |
| May 2017 | Merchants Bank South Burlington, VT | $2.0B |
| Dec 2015 | The Oneida Savings Bank Oneida, NY | $816M |
| Dec 2015 | State Bank of Chittenango Chittenango, NY | $226M |
| Apr 2011 | Wilber National Bank Oneonta, NY | $895M |
| Jun 2007 | The Tupper Lake National Bank Tupper Lake, NY | $99M |
| Dec 2006 | Ontario National Bank Clifton Springs, NY | $93M |
| Aug 2006 | Elmira Savings and Loan FA Elmira, NY | $214M |
| May 2004 | First Heritage Bank Wilkes-Barre, PA | $270M |
| Nov 2003 | Grange National Bank Laceyville, PA | $278M |
| Sep 2003 | Ogdensburg Federal Savings and Loan Association Ogdensburg, NY | $29M |
| May 2001 | First Liberty Bank & Trust Jermyn, PA | $644M |
| Jan 2001 | The Citizens National Bank of Malone Malone, NY | $113M |
| Jun 1994 | Columbia Banking Federal Savings Association Rochester, NY | $646M |
| Jan 1992 | Horizon Bank, National Association Waterloo, NY, an affiliate under the same holding company | $90M |
| Jan 1992 | The Exchange National Bank Olean, NY, an affiliate under the same holding company | $119M |
| Jan 1992 | Community National Bank Addison, NY, an affiliate under the same holding company | $72M |
| Jan 1992 | The Nichols National Bank Nichols, NY, an affiliate under the same holding company | $24M |
| Oct 1982 | First National Bank of Waterloo Waterloo, NY | n/a |
| May 1974 | Lewis County Trust Company Lowville, NY | n/a |
| Mar 1972 | Bank of Gouverneur Gouverneur, NY | n/a |
| Sep 1971 | United Bank Star Lake, NY | n/a |
Where they operate
210 branches in 65 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cattaraugus County, NY | $896M | 54.1% | 1 of 8 |
| St. Lawrence County, NY | $796M | 44.7% | 1 of 9 |
| Clinton County, NY | $788M | 37.6% | 1 of 8 |
| Onondaga County, NY | $716M | 5.4% | 7 of 15 |
| Jefferson County, NY | $673M | 31.3% | 2 of 8 |
| Chittenden County, VT | $599M | 8.2% | 4 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 13 branches since 2016 (197 to 210, +6.6%). 27 opened, 65 acquired, 79 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 197 | |||
| 2016 | Sold 1 branch to Catskill Hudson Bank | 0 | 1 | −1 | 196 |
| 2017 | Acquired Merchants BankClosed Verona | 32 | 1 | +31 | 227 |
| 2019 | Acquired The National Union Bank of KinderhookClosed 3 in 2 states | 11 | 3 | +8 | 235 |
| 2020 | Acquired Steuben Trust CompanyOpened Albany and Williston, closed 10 in 3 states | 16 | 10 | +6 | 241 |
| 2021 | Closed 16 in 3 states | 0 | 16 | −16 | 225 |
| 2022 | Acquired Elmira Savings BankOpened Ithaca, closed 10 in 3 states | 8 | 10 | −2 | 223 |
| 2023 | Closed 11 in New York | 0 | 11 | −11 | 212 |
| 2024 | Opened SyracuseClosed 10 in New York | 1 | 10 | −9 | 203 |
| 2025 | Opened 14 in 4 statesClosed 17 in 2 states | 14 | 17 | −3 | 200 |
| 2026 through Q2 | Acquired ClearPoint Federal Bank & TrustOpened 9 in 2 states | 10 | 0 | +10 | 210 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 38% | 6% | |
| Commercial real estate | 21% | 18% | |
| Consumer | 19% | 1% | |
| Business (C&I) | 9% | 29% | |
| Multifamily | 8% | 13% | |
| Construction and land | 3% | 4% | |
| Other | 1% | 28% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 75% | |
| Noninterest-bearing | 27% | 11% | |
| Time deposits | 14% | 13% |
Brokered deposits are 0.0% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.50% | 0.57% |
| Net charge-offs, annualized | 0.11% | 0.11% |
| Reserves to loans | 0.81% | 0.86% |
| Leverage ratio | 7.86% | 10.67% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in Cattaraugus County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-bank-canton-ny