Community Financial System, Inc.
Community Financial System, Inc. operates as a diversified financial services enterprise serving retail, commercial, institutional and governmental customers across multiple states. The company maintains its website at https://communityfinancialsystem.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Community Financial System, Inc. does
In the company’s own words
Community Financial System, Inc. operates as a diversified financial services enterprise serving retail, commercial, institutional and governmental customers across multiple states. The company maintains its website at https://communityfinancialsystem.com.
The company's primary subsidiary is Community Bank, N.A., a federally chartered national bank operating 192 full-service branches and 8 drive-thru only locations across 42 counties in Upstate New York, 9 counties in Northeastern Pennsylvania, 12 counties in Vermont, 1 county in Western Massachusetts and 1 county in Southern New Hampshire. The Bank offers comprehensive commercial and retail banking services including lending, deposit products, and treasury management.
Community Financial System operates through four reportable business segments. The Banking and Corporate segment provides traditional banking services through the Bank's branch network. The Employee Benefit Services segment, operated through Benefit Plans Administrative Services, Inc. and its subsidiaries, provides defined contribution plan administration, institutional transfer agency, master recordkeeping, fund administration, trust services and actuarial consulting on a national scale. The Insurance Services segment, conducted through OneGroup, offers personal and commercial lines of insurance and risk management products. The Wealth Management Services segment provides wealth management, retirement planning, fiduciary services, trust administration and personal financial planning through the Bank's Nottingham Trust division and affiliated entities.
As of December 31, 2025, the company employed 3,001 total employees, comprising 2,853 full-time and 148 part-time and temporary employees distributed across its operating segments and geographic footprint. The employee base concentrates primarily in New York, Pennsylvania and New England, with approximately 2,136 employees in New York, 312 in Pennsylvania and 323 in Vermont, Massachusetts and New Hampshire.
The company completed significant acquisitions during 2025, including seven branch locations in the Lehigh Valley market from Santander Bank, N.A., acquiring $31.9 million in loans and $543.7 million in deposits. Additionally, the company acquired certain assets of financial services companies providing insurance, employee benefit and wealth management services through its operating subsidiaries.
Company details
- Sector
- Financials
- Industry (SIC)
- Commercial Banks
- Headquarters
- SYRACUSE, NY
- Fiscal year end
- December
- CIK
- 723188
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Community Financial System, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Community Financial System, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do Community Financial System, Inc. and its peers compare on margins and cash generation over ten years?”
- “Where did five years of Community Financial System, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in Community Financial System, Inc.'s last four quarterly filings that the numbers alone won't show?”