Community Bank, National Association
Canton, NY · Cert 6989 · Peer group: banks over $10B in assets (n=142-144) · Community Financial System Inc.
National charter · OCC · 210 branches
Q2 2026
$17.4BAssets
$11.3BLoans
$14.9BDeposits
$1.7BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of banks over $10B in assets (rank 41 of 142).
- Widest gap: total risk-based capital ratio trails 91% of banks over $10B in assets (rank 131 of 144).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.18%
Rank 88 of 144
Net Interest Margin
3.24%
Rank 80 of 144
Efficiency Ratio
58.03%
Rank 88 of 144
Equity / Assets
9.55%
Rank 111 of 144
Non-interest income vs. expense
Unfavorable gap of $257.6M · efficiency ratio beats 40% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 1.00% | 1.26% | 1.54% | Beats 39% | 88 / 144 | |
| Return on Equity | 12.34% | 8.98% | 11.34% | 14.40% | Beats 60% | 57 / 144 | |
| Net Interest Margin | 3.24% | 2.82% | 3.31% | 3.68% | Beats 44% | 80 / 144 | |
| Efficiency Ratio | 58.03% | 49.42% | 56.02% | 62.41% | Beats 40% | 88 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.48% | 0.73% | 1.07% | Beats 72% | 41 / 142 | |
| Net Charge-Offs / Loans | 0.11% | 0.05% | 0.11% | 0.22% | Beats 51% | 70 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 11.73% | 12.07% | 12.98% | 14.92% | Beats 13% | 125 / 144 | |
| Total Risk-Based Capital Ratio | 12.54% | 13.39% | 14.14% | 16.25% | Beats 9% | 131 / 144 | |
| Equity / Assets | 9.55% | 9.69% | 11.39% | 12.96% | Beats 23% | 111 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 75.88% | 75.72% | 84.92% | 91.56% | 26th pctl | 106 / 143 | |
| Loans / Assets | 64.67% | 59.83% | 69.07% | 74.80% | 35th pctl | 94 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |