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Community Bank, National Association
Canton, NY·FDIC Cert #6989·Charter: OCC·Est. 18660101.0·HC: COMMUNITY FINANCIAL SYSTEM INC
Total Assets
$17.0B
Q4 2025
Return on Assets
1.11%
+0.02%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.83%
Peer avg: 55.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.11%+0.02
ROE
12.24%+0.08
Efficiency
58.83%+0.13
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.64%-0.39
Charge-offs
0.15%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 0.9 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 |
| ROE | 10.8 | 11.6 | 11.1 | 11.4 | 11.6 | 12.1 | 12.2 | 12.2 |
| Efficiency | 61.4 | 60.7 | 61.2 | 60.4 | 59.7 | 59.4 | 58.7 | 58.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.6 | 0.7 | 0.7 | 0.5 | 0.5 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 72.4 | 74.6 | 74.3 | 75.8 | 73.4 | 75.1 | 75.0 | 74.6 |
Balance Sheet
Total Assets$17.0B
Total Deposits$14.6B
Total Loans$10.9B
Total Equity$1.6B
Profitability
ROA1.11%
ROE12.24%
Efficiency Ratio58.83%
Net Income$183.0M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.15%
Loan/Deposit74.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans