Community Bank (Canton, NY)
Community Bank (Canton, NY) reported total assets of $17.4 bn at Q2 2026, up 6.4% on a year earlier, the 113th largest of 497 banks in our US coverage. The CET1 capital ratio at Community Bank (Canton, NY) was 11.72%, and the uninsured share of Community Bank (Canton, NY) was 31.51%. Source: FDIC Call Reports.
Key takeaways
- Since , Community Bank (Canton, NY) has taken over 5 institutions; the latest was ClearPoint Federal Bank & Trust on (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Community Bank (Canton, NY) slipped from 293rd to 369th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Community Bank (Canton, NY) reports one of the lowest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 7.86% at , where the median of the 126 banks is 10.25% (FDIC Call Reports).
What sets Community Bank (Canton, NY) apart
How large is Community Bank (Canton, NY)?
The balance sheet of Community Bank (Canton, NY) at : assets $17.4 bn, deposits $14.9 bn, net loans $11.2 bn (loans equal to 75.26% of deposits). Securities make up 25.4% of total assets at Community Bank (Canton, NY). Since , when Community Bank (Canton, NY) held $8.6 bn, its assets grew 103.9%. In the year to , deposits at Community Bank (Canton, NY) rose 7.0% while its total assets rose 6.4%. At , Community Bank (Canton, NY) employed 2,119 full-time equivalent staff across 214 offices, about $8.2 mn of assets per employee and $69.5 mn of deposits per office.
How much funding at Community Bank (Canton, NY) is uninsured?
At Community Bank (Canton, NY), uninsured deposits (above the FDIC limit) made up 31.51% of domestic deposits at (-1.08 pp on a year earlier); Community Bank (Canton, NY) ranks 290th of 500 on this measure. In dollars, Community Bank (Canton, NY) estimated $4.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $14.9 bn | +7.0% | 110th of 499 |
| Net loans and leases | $11.2 bn | +7.2% | 120th of 500 |
| Loan-to-deposit ratio | 75.26% | +0.17 pp | 382nd of 500 |
| Tier 1 leverage ratio | 7.86% | -0.12 pp | 478th of 500 |
| Total risk-based capital ratio | 12.54% | -0.76 pp | 384th of 448 |
| Net interest margin | 3.50% | +0.19 pp | 297th of 500 |
| Return on assets (ROA) | 1.19% | +0.13 pp | 317th of 500 |
| Efficiency ratio | 57.06% | -2.31 pp | 268th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $105.9 mn | Widened by $11.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $279.8 mn | Narrowed by $57.1 mn | |
| Noncurrent loans to total loans | 0.50% | 0.00 pp | 198th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.11% | -0.07 pp | 278th of 500 (1 = lowest) |
US rank of Community Bank (Canton, NY): 1 = highest unless marked 1 = lowest.
Balance sheet
Community Bank (Canton, NY): assets, deposits and loans
- Total assets $17.4bn
- Deposits $14.9bn
- Net loans $11.2bn
Capital and securities
The CET1 ratio of Community Bank (Canton, NY) stood at 11.72% in , -0.77 pp year on year. Low and high at Community Bank (Canton, NY) since : 11.69% () to 15.51% (). Equity capital of Community Bank (Canton, NY) at : $1.7 bn, or 9.6% of total assets. Community Bank (Canton, NY) also reported a total capital ratio of 12.54% for , and a tier 1 leverage ratio of 7.86%.
On held-to-maturity securities, Community Bank (Canton, NY) carried an unrealized loss of $105.9 mn at , equal to 6.4% of equity capital. The loss widened by $11.0 mn over the year. Its deepest point: $134.9 mn in . The available-for-sale portfolio of Community Bank (Canton, NY) showed an unrealized loss of $279.8 mn at ; the loss narrowed by $57.1 mn over the year.
Community Bank (Canton, NY): capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 7.9%
Community Bank (Canton, NY): unrealized securities gains and losses
- Available for sale -$280mn
- Held to maturity -$106mn
Profitability and loan quality
For the year to , Community Bank (Canton, NY) earned a return on equity of 12.54%; return on assets: 1.19%. Net interest margin at Community Bank (Canton, NY): 3.50%, +0.19 pp in a year. Community Bank (Canton, NY) net income: $102.9 mn, up 18.8% year on year. The efficiency ratio of Community Bank (Canton, NY) was 57.06%: about 57 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.50% of total loans at Community Bank (Canton, NY); net charge-offs: 0.11% of average loans. Gross loans and leases at Community Bank (Canton, NY): $11.3 bn, up 7.3% in a year.
Community Bank (Canton, NY): profitability
- Return on equity 13%
- Net interest margin 3.5%
- Return on assets 1.2%
Peer group of Community Bank (Canton, NY)
The peer group of Community Bank (Canton, NY) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Community Bank (Canton, NY) (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in New York. Against them, Community Bank (Canton, NY) shows CET1 ratio 11.72% against a peer median of 13.59%, return on equity 12.54% against a peer median of 9.62% and uninsured deposit share 31.51% against a peer median of 30.63%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| ServisFirst Bank | State nonmember bank | AL | $18.3 bn | 12.00% | 17.46% | 66.41% | |
| Busey Bank | State member bank | IL | $18.1 bn | 14.65% | 9.75% | 43.03% | |
| Third Federal Savings and Loan Association of Cleveland | Federal savings bank | OH | $18.1 bn | 15.73% | 6.13% | 3.91% | |
| Community Bank | National bank | NY | $17.4 bn | 11.72% | 12.54% | 31.51% | |
| Enterprise Bank & Trust | State member bank | MO | $17.4 bn | 12.07% | 9.48% | 33.83% | |
| Northwest Bank | State-chartered stock savings bank | PA | $17.2 bn | 12.79% | 11.35% | 27.43% | |
| Toyota Financial Savings Bank | State nonmember bank | NV | $16.8 bn | 14.40% | 3.88% | 16.31% | |
. FDIC Call Reports.
Last eight quarters
Two years at Community Bank (Canton, NY), to : assets +8.0%, deposits +8.6%, equity +20.7%. Staff 2,024 to 2,119; offices 206 to 214.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $16.2 bn | $16.1 bn | $16.5 bn | $16.4 bn | $16.7 bn | $17.0 bn | $17.4 bn | $17.4 bn |
| Total deposits | $13.7 bn | $13.7 bn | $14.1 bn | $13.9 bn | $14.2 bn | $14.6 bn | $15.0 bn | $14.9 bn |
| Bank equity capital | $1.4 bn | $1.4 bn | $1.4 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.7 bn |
| CET1 ratio | 11.69% | 11.96% | 12.27% | 12.49% | 12.50% | 12.02% | 11.98% | 11.72% |
| Return on equity (ROE) | 11.09% | 11.40% | 11.56% | 12.07% | 12.16% | 12.24% | 12.32% | 12.54% |
| Uninsured share of domestic deposits | 33.25% | 32.06% | 33.76% | 32.59% | 33.36% | 31.22% | 32.87% | 31.51% |
| Full-time equivalent employees | 2,024 | 2,010 | 2,023 | 2,062 | 2,045 | 2,111 | 2,115 | 2,119 |
| Number of offices | 206 | 207 | 208 | 211 | 199 | 211 | 212 | 214 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Community Bank (Canton, NY), oldest first; figures before and after each event are not like for like.
- . Absorbed State Bank of Chittenango (FDIC certificate 12940).
- . Absorbed The Oneida Savings Bank (FDIC certificate 15975).
- . Absorbed Merchants Bank (FDIC certificate 6268).
- . Absorbed The National Union Bank of Kinderhook (FDIC certificate 7128).
- . Absorbed Steuben Trust Company (FDIC certificate 12936).
- . Absorbed Elmira Savings Bank (FDIC certificate 16001).
- . Absorbed ClearPoint Federal Bank & Trust (FDIC certificate 34748).
Questions and identifiers
What were the total assets of Community Bank (Canton, NY)?
Community Bank (Canton, NY) reported $17.4 bn at in its Call Report. That makes Community Bank (Canton, NY) the 113th largest of 497 banks in our US coverage.
Is Community Bank (Canton, NY) the same as its holding company?
No. This page covers Community Bank (Canton, NY), FDIC certificate 6989; COMMUNITY FINANCIAL SYSTEM INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Community Bank (Canton, NY) profitable?
Community Bank (Canton, NY) reported net income of $102.9 mn for the year to ; annualized return on equity: 12.54%. So yes: Community Bank (Canton, NY) made a profit over these months.
When is data for Community Bank (Canton, NY) next updated?
Figures from Community Bank (Canton, NY) for are due after .
Where can I check the figures for Community Bank (Canton, NY)?
In the FDIC BankFind Suite record for certificate 6989, and in the Call Reports of Community Bank (Canton, NY) (RSSD ID 202907) at the FFIEC Central Data Repository.