Community Bank National Assn (FDIC #6989): Bank Stress & Real-Estate Credit Exposure

Community Bank National Assn (FDIC Cert #6989): bank stress 68/100, elevated, STABLE over 7 days; parent COMMUNITY FINANCIAL SYSTEM INC.

Community Bank National Assn (#6989) lends in 65 counties across 6 states; Community Bank National Assn (#6989) reaches 1,593 ZIP codes: New York 42 counties, 1,060 ZIPs; Vermont 12 counties, 235 ZIPs; Pennsylvania 8 counties, 207 ZIPs; Massachusetts 1 county, 42 ZIPs; New Hampshire 1 county, 34 ZIPs; Indiana 1 county, 15 ZIPs.

Community Bank National Assn (#6989) largest markets: Erie County, NY (432 branches, 72 ZIPs) (#6989), Onondaga County, NY (406 branches, 58 ZIPs) (#6989), Oneida County, NY (330 branches, 55 ZIPs) (#6989), St. Lawrence County, NY (432 branches, 54 ZIPs) (#6989), Monroe County, NY (208 branches, 52 ZIPs) (#6989), Luzerne County, PA (357 branches, 51 ZIPs) (#6989).

Community Bank National Assn (#6989) reports $17.45 billion in total assets; Community Bank National Assn (#6989) equity $1.67 billion (9.6% of Community Bank National Assn (#6989) assets); Community Bank National Assn (#6989) domestic deposits $14.87 billion; Community Bank National Assn (#6989) net income $102.9 million; Community Bank National Assn (#6989) return on assets 1.19%; Community Bank National Assn (#6989) return on equity 12.54%; Community Bank National Assn (#6989) net interest income $272.8 million; Community Bank National Assn (#6989) call report June 30, 2026.

Community Bank National Assn (#6989) noncurrent real-estate loans: none reported; Community Bank National Assn (#6989) residential 0.01%; Community Bank National Assn (#6989) net charge-offs on real estate 0.56%; Community Bank National Assn (#6989) multifamily charge-offs 0.05%; Community Bank National Assn (#6989) residential charge-offs 0.24%.

Community Bank National Assn (#6989) net interest margin 3.50% against an eight-quarter Community Bank National Assn (#6989) average of 3.31% (Community Bank National Assn (#6989) compression -0.19 points); Community Bank National Assn (#6989) real-estate loans 0.5% of equity; Community Bank National Assn (#6989) non-residential real estate 23.9% of equity; Community Bank National Assn (#6989) rate-exposure score 40/100, Community Bank National Assn (#6989) fixed-rate trap 40/100; Community Bank National Assn (#6989) risk type credit driven; Community Bank National Assn (#6989) rate regime rates elevated, Community Bank National Assn (#6989) snapshot October 19, 2026.

Community Bank National Assn (#6989) stress score moved from 67.9 on June 22, 2026 to 68.3 on October 20, 2026; Community Bank National Assn (#6989) ranged 67.9 to 68.3 over 117 snapshots.

Community Bank National Assn (#6989) alerts: 40 counties; top Community Bank National Assn (#6989) alert scores: Schenectady County, NY 49 (moderate); Oneida County, NY 36 (moderate); Batesville County, NY 24 (low); Bedford County, NY 24 (low); Bradford County, NY 24 (low).