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Community Bank, National Association
Canton, NY · FDIC Certificate #6989 · Chartered 01/0
Total assets
$17.45B
Total deposits
$14.87B
Total equity
$1.67B
Net loans
$11.19B
Branches (offices)
210
Net income (YTD)
$102.86M
Rank: #114 of 4,213 U.S. banks by assets · #10 of 115 in New York. Assets changed 6.4% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 12.54% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 9.57% |
| Tier 1 leverage ratio | 7.86% |
| Uninsured deposits (share of deposits) | 31.5% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 75.3% |
| Real estate loans (share of loans) | 71.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.99B | 71.4% | |
| Commercial & industrial | $1.03B | 9.2% | |
| Consumer / individual | $2.12B | 18.9% | |
| Construction & development | $354.68M | 3.2% | |
| Agricultural | $44.00M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $15.26B | $13.61B | $70.69M | $1.24B |
| Jun 2023 | $14.88B | $13.08B | $39.63M | $1.23B |
| Jun 2024 | $15.65B | $13.34B | $74.36M | $1.29B |
| Jun 2025 | $16.41B | $13.90B | $86.59M | $1.49B |
| Jun 2026 | $17.45B | $14.87B | $102.86M | $1.67B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $11.31B | 146 |
| Pennsylvania | $2.02B | 31 |
| Vermont | $1.50B | 29 |
| Massachusetts | $34.57M | 2 |
| New Hampshire | $11.53M | 1 |
| Indiana | $0 | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $14.87B.
Similar-sized banks
Third Federal Savings And Loan Association Of Cleveland ($18.06B) · Enterprise Bank & Trust ($17.36B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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