FDIC certificate 6989
Community Bank, National Association
Canton, New York · 45-49 Court Street 13617
Hunter Score
This bank ranks near the middle of its size group.
Down 1 point from last quarter.
Compared with 110 banks with $10 billion to $50 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Community Bank, National Association has a Hunter Score of 51 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks near the middle of its size group. The comparison is with banks with $10 billion to $50 billion in assets.
The FDIC reported noncurrent loans of 0.50% (field NCLNLSR). Among banks with $10 billion to $50 billion in assets, the peer rank for this measure is 68 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 57.06% (field EEFFR). Among banks with $10 billion to $50 billion in assets, the peer rank for this measure is 38 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in New York with $10 billion to $50 billion in assets, ordered by Hunter Score.
- Bank of Baroda50out of 100
- NBT Bank, National Association50out of 100
- State Bank of India50out of 100
- Dime Commercial Bank42out of 100
- Popular Bank40out of 100
Top Hunter Scores in New York · Top scores with $10 billion to $50 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
12.54%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 67 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.19%
Profit for each dollar of assets. Higher is stronger.
Peer rank 44 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.50%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 39 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
57.06%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 38 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.50%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 68 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202651 out of 100
- Q1 2026, ending March 31, 202652 out of 100
- Q4 2025, ending December 31, 202554 out of 100
- Q3 2025, ending September 30, 202556 out of 100
- Q2 2025, ending June 30, 202555 out of 100
Download these quarters with Pro
Mergers in the FDIC history file
- 2026-06-01: Merger -Without Assistance. ClearPoint Federal Bank & Trust and Community Bank, National Association.
Older quarters
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About this bank
- Total assets
- $17.4 billion
- Deposits
- $14.9 billion
- Equity
- $1.7 billion
- Tangible equity
- $888.1 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 214
- Charter
- National bank
- Specialty
- Commercial Lending Specialization
- Community bank
- No
- Net income
- $102.9 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Community Financial System Inc, Syracuse, NY. Federal Reserve RSSD 1048867.
Stock symbol CBU on NYSE. We matched the holding company's name to one SEC filing. Checked 2026-10-24. We do not show stock prices. Check the price on Yahoo Finance, then type it into the calculator below.
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Price-to-tangible-book calculator
This calculator estimates a fair multiple of tangible book value from the bank's return on equity. It is separate from the Hunter Score. It is not a price target.
Where it is
45-49 Court Street, Canton, NY 13617
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.