Community Bank

Overview

What stands out about Community Bank?

Its largest one-quarter change in total assets since Q1 2016 was +22.8% between Q1 2017 and Q2 2017, when it absorbed Merchants Bank. Its tier 1 leverage ratio of 7.86% at Q2 2026 is in the lowest 5% of the 500 banks reporting it (rank 478 of 500, 1 = highest).

How large is Community Bank?

At Q2 2026 the bank held $17.4 bn of assets. Deposits were $14.9 bn and net loans and leases $11.2 bn, a loan-to-deposit ratio of 75.26%. Securities of $4.4 bn made up 25.4% of assets.

Total assets rose 103.9% between Q1 2016 and Q2 2026, from $8.6 bn.

How much of its funding is uninsured?

An estimated 31.51% of domestic deposits were above the FDIC insurance limit at Q2 2026, -1.36 pp from the previous quarter and -1.08 pp from a year earlier. That share ranks 290th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 11.72% at Q2 2026, -0.77 pp from a year earlier. Since Q1 2016 it has ranged from 11.69% (Q3 2024) to 15.51% (Q2 2021). At Q2 2026 the tier 1 leverage ratio was 7.86% and the total risk-based capital ratio 12.54%. The median CET1 ratio of the size peers listed below was 13.59% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $105.9 mn at Q2 2026, measured as fair value minus amortized cost, equal to 6.4% of bank equity capital. The loss widened by $11.0 mn from a year earlier. The largest unrealized loss on these securities was $134.9 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $279.8 mn at Q2 2026; the loss narrowed by $57.1 mn from a year earlier.

Return on equity was 12.54% for the year to Q2 2026, annualized, with a return on assets of 1.19% and a net interest margin of 3.50%. The margin was +0.19 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 57.06%. Net income for the year to Q2 2026 was $102.9 mn, up 18.8% on the same period a year earlier. The median return on equity of its size peers was 9.62% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.50% of total loans at Q2 2026. Net charge-offs for the year to date were 0.11% of average loans, annualized.

1. 4 December 2015. Absorbed State Bank of Chittenango (FDIC certificate 12940).
2. 4 December 2015. Absorbed The Oneida Savings Bank (FDIC certificate 15975).
3. 12 May 2017. Absorbed Merchants Bank (FDIC certificate 6268).
4. 12 July 2019. Absorbed The National Union Bank of Kinderhook (FDIC certificate 7128).
5. 12 June 2020. Absorbed Steuben Trust Company (FDIC certificate 12936).
6. 14 May 2022. Absorbed Elmira Savings Bank (FDIC certificate 16001).
7. 1 June 2026. Absorbed ClearPoint Federal Bank & Trust (FDIC certificate 34748).

Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.