Canton, NY · Cert 6989 · Community Financial System Inc.
National charter · OCC · 210 branches
Q2 2026
Market Position · Syracuse, NY · 2026 SOD (annual) · 9.1% share · #5 of 15 inst. · $1.5B of $16.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.03% | 1.00% | 1.12% | 1.14% | 1.17% | 1.16% | 1.21% | +9 bps | |
| Return on Equity | 10.34% | 12.11% | 11.56% | 12.50% | 12.35% | 12.47% | 12.32% | 12.77% | +27 bps | |
| Net Interest Margin | 2.89% | 3.04% | 3.02% | 3.10% | 3.16% | 3.23% | 3.22% | 3.29% | +19 bps | |
| Efficiency Ratio | 62.10% | 58.29% | 59.71% | 59.04% | 57.40% | 59.19% | 56.91% | 57.21% | -183 bps | |
| Non-Interest Burden | 1.44% | 1.37% | 1.44% | 1.46% | 1.42% | 1.51% | 1.44% | 1.50% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 5.33% | 5.71% | 4.80% | 3.14% | 5.40% | 5.63% | 6.35% | +155 bps | |
| Loan Growth (YoY) | 8.48% | 7.51% | 5.44% | 4.94% | 4.86% | 4.95% | 6.81% | 7.26% | +232 bps | |
| Deposit Growth (YoY) | 3.34% | 3.78% | 3.95% | 4.22% | 3.81% | 6.60% | 6.59% | 6.98% | +276 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.70% | 0.72% | 0.51% | 0.52% | 0.52% | 0.48% | 0.50% | 0 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.16% | 0.15% | 0.22% | 0.11% | 0.11% | 0.11% | 0.12% | -10 bps | |
| Allowance / Loans | 0.75% | 0.76% | 0.80% | 0.78% | 0.79% | 0.81% | 0.81% | 0.81% | +3 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.1x | 1.1x | 1.5x | 1.5x | 1.6x | 1.7x | 1.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.55% | 7.69% | 7.88% | 7.99% | 8.09% | 7.85% | 7.91% | 7.86% | -12 bps | |
| Total Risk-Based Capital | 12.46% | 12.74% | 13.08% | 13.30% | 13.32% | 12.84% | 12.80% | 12.54% | -76 bps | |
| Equity / Assets | 8.55% | 8.46% | 8.78% | 9.09% | 9.32% | 9.50% | 9.39% | 9.55% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.86% | 76.43% | 73.99% | 75.68% | 75.62% | 75.24% | 74.14% | 75.88% | +20 bps | |
| Liquid Assets / Assets | 8.90% | 8.49% | 10.48% | 8.86% | 8.87% | 9.25% | 10.64% | 8.78% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 267% | 271% | n/a | n/a | |