Community Bank Mortgage Rates, Fees & Info

Canton, NY

LEI: 5493005RDTT7HVODH436

Tax ID: 15-0436580

5 stars - out of 5 stars, based on 86 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Community Bank is a smaller bank specializing in Refi and Home Purchase loans. Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include Scranton, Rochester, Syracuse, Jamestown, and Burlington among others. Community Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Community Bank is typically a low fee lendor.


Originations

7,326

Origination Dollar Volume (All Markets)

$937,050,000

Employee count

2,153 Show all (19) awards

Relative Rate

Community Bank's average 30 year fixed rate mortgage of loans were 2.91%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.24%.

Relative Fees

Community Bank's average total fees for a 30 year fixed rate mortgage are $983.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 1,103 $135,075,000 $122,461 $696 3.13%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 755 $88,575,000 $117,318 $1,166 3.15%
ROCHESTER, NY (FHA|USDA|VA) 644 $69,560,000 $108,012 $563 3.06%
SYRACUSE, NY (FHA|USDA|VA) 567 $65,505,000 $115,529 $738 3.04%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 503 $50,155,000 $99,712 $420 3.23%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 152 $49,080,000 $322,895 $1,420 2.56%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 271 $48,815,000 $180,129 $631 3.07%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 330 $44,820,000 $135,818 $815 3.22%
Plattsburgh, NY (FHA|USDA|VA) 294 $40,830,000 $138,878 $970 3.13%
Ogdensburg-Massena, NY (FHA|USDA|VA) 414 $39,570,000 $95,580 $360 3.25%
UTICA-ROME, NY (FHA|USDA|VA) 288 $39,440,000 $136,944 $515 3.21%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 94 $34,660,000 $368,723 $1,254 3.06%
Olean, NY (FHA|USDA|VA) 330 $31,470,000 $95,364 $485 3.29%
Oneonta, NY (FHA|USDA|VA) 231 $29,705,000 $128,593 $899 3.20%
Corning, NY (FHA|USDA|VA) 248 $26,690,000 $107,621 $558 3.33%
Malone, NY (FHA|USDA|VA) 181 $24,875,000 $137,431 $888 3.09%
BINGHAMTON, NY (FHA|USDA|VA) 101 $10,035,000 $99,356 $426 3.40%
Gloversville, NY (FHA|USDA|VA) 60 $9,960,000 $166,000 $1,443 2.99%
Hudson, NY (FHA|USDA|VA) 38 $8,190,000 $215,526 $2,160 2.43%
ELMIRA, NY (FHA|USDA|VA) 69 $7,875,000 $114,130 $662 3.24%
Sayre, PA (FHA|USDA|VA) 65 $7,795,000 $119,923 $878 3.11%
Seneca Falls, NY (FHA|USDA|VA) 87 $7,755,000 $89,138 $188 3.08%
Rutland, VT (FHA|USDA|VA) 61 $7,125,000 $116,803 $959 2.59%
Auburn, NY (FHA|USDA|VA) 69 $6,755,000 $97,899 $344 3.06%
GLENS FALLS, NY (FHA|USDA|VA) 43 $5,945,000 $138,256 $1,198 3.21%
SPRINGFIELD, MA (FHA|USDA|VA) 22 $5,890,000 $267,727 $1,953 3.10%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 45 $4,405,000 $97,889 $901 3.07%
Lebanon, NH-VT (FHA|USDA|VA) 32 $4,360,000 $136,250 $1,123 2.83%
Bennington, VT (FHA|USDA|VA) 25 $3,985,000 $159,400 $1,884 3.03%
ITHACA, NY (FHA|USDA|VA) 36 $3,980,000 $110,556 $1,165 3.19%
Barre, VT (FHA|USDA|VA) 26 $3,970,000 $152,692 $1,497 2.25%
Amsterdam, NY (FHA|USDA|VA) 29 $3,865,000 $133,276 $837 3.40%
KINGSTON, NY (FHA|USDA|VA) 23 $3,825,000 $166,304 $1,649 2.83%
Pottsville, PA (FHA|USDA|VA) 22 $1,740,000 $79,091 $659 3.28%
Cortland, NY (FHA|USDA|VA) 11 $1,465,000 $133,182 $600 3.52%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,177 3.29%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $1,135,000 $227,000 $958 3.50%
READING, PA (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,967 3.29%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,686 1.56%
Bradford, PA (FHA|USDA|VA) 13 $985,000 $75,769 $566 3.24%
Batavia, NY (FHA|USDA|VA) 8 $780,000 $97,500 $33 2.67%
PITTSFIELD, MA (FHA|USDA|VA) 2 $620,000 $310,000 $1,092 2.69%
ERIE, PA (FHA|USDA|VA) 6 $600,000 $100,000 $652 3.58%
PITTSBURGH, PA (FHA|USDA|VA) 1 $455,000 $455,000 $0 3.49%
Keene, NH (FHA|USDA|VA) 2 $450,000 $225,000 $6,977 3.20%
Warren, PA (FHA|USDA|VA) 3 $355,000 $118,333 $592 3.08%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $315,000 $105,000 $1,021 3.21%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,883 2.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $150,000 $75,000 $0 1.88%
Oil City, PA (FHA|USDA|VA) 1 $115,000 $115,000 $135 3.63%

Community Bank's top markets include Scranton, Rochester, Syracuse, Jamestown, and Burlington among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 7,315 $935,655,000 $127,909 $740 3.13%
USDA 11 $1,395,000 $126,818 $3,159 3.05%

For the 2021 period, Community Bank's most frequently originated loan type of loans were Conventional, with 7,315 originations. Their 2nd most popular type is USDA, with 11 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 3,304 $425,800,000 $128,874 $583 3.11%
Home Purchase 2,595 $403,815,000 $155,613 $983 3.47%
Home Improvement 890 $52,320,000 $58,787 $137 2.60%
Other 389 $32,035,000 $82,352 $338 2.43%
Cash Out Refi 148 $23,080,000 $155,946 $3,463 2.52%

For the 2021, Community Bank's most frequently cited loan purpose of loans were Refi, with 3,304 originations. The 2nd most popular reason of loans were Home Purchase, with 2,595 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 3,097 $416,705,000 $134,551 $983 2.91%
15 Year 1,410 $157,860,000 $111,957 $873 3.11%
20 Year 1,389 $162,735,000 $117,160 $455 3.46%
10 Year 755 $98,345,000 $130,258 $394 3.29%
Other 294 $61,700,000 $209,864 $641 3.32%
5 Year 233 $10,665,000 $45,773 $9 3.08%
30+ year 144 $28,890,000 $200,625 $1,123 3.69%
3 Year 4 $150,000 $37,500 $0 3.37%

For the 2021, Community Bank's most frequently cited loan length of loans were 30 Year, with 3,097 originations. The 2nd most popular length of loans were 15 Year, with 1,410 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 5,954 $684,420,000 $114,951
$1k-2k 283 $54,005,000 $190,830
$2k-3k 101 $23,645,000 $234,109
$3k-4k 55 $14,615,000 $265,727
$5k+ 22 $8,320,000 $378,182

$983 of loans were Community Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 5,954 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 4,268 $575,850,000 $134,923
2.5-3% 1,421 $198,735,000 $139,856
<2.5% 1,033 $112,455,000 $108,863
4-5% 536 $46,460,000 $86,679
5-6% 42 $1,710,000 $40,714
6-7% 23 $1,575,000 $68,478
Over 8% 2 $200,000 $100,000

During 2021, Community Bank's average interest rate of loans were 2.91%, while their most frequently originated rate bucket of loans were 3-4%, with 4,268 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 3,608 $215,120,000 $59,623 $283 3.06%
$100k-200k 2,714 $377,780,000 $139,197 $878 3.20%
$200k-400k 846 $220,840,000 $261,040 $1,823 3.16%
$400k-600k 120 $56,540,000 $471,167 $3,131 3.06%
$600k-1MM 20 $13,370,000 $668,500 $2,759 3.58%
$1MM+ 18 $53,400,000 $2,966,667 $0 3.54%

2021 saw Community Bank place emphasis on $100,000 or less loans with 3,608 originations, totaling $215,120,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 1,921 $191,835,000 $99,862 $594 3.19%
$50k or less 1,628 $123,800,000 $76,044 $444 3.32%
$100k-150k 1,322 $190,250,000 $143,911 $955 3.00%
$75k-100k 1,293 $156,665,000 $121,164 $790 3.11%
$150k-250k 606 $112,200,000 $185,149 $1,447 2.86%
$250k+ 182 $50,630,000 $278,187 $2,186 2.88%

Community Bank lent most frequently to those with incomes in the $50k-75k range, with 1,921 originations. The second most popular income band? $50k or less, with 1,628 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,887 $216,465,000 $114,714 $796 3.09%
30-36% 1,597 $185,875,000 $116,390 $741 3.15%
<20% 634 $70,540,000 $111,262 $968 2.91%
41% 392 $44,940,000 $114,643 $549 3.19%
42% 390 $46,920,000 $120,308 $570 3.22%
40% 346 $41,640,000 $120,347 $603 3.17%
36% 304 $36,770,000 $120,954 $727 3.15%
38% 304 $38,210,000 $125,691 $773 3.12%
39% 295 $37,025,000 $125,508 $729 3.16%
37% 293 $35,215,000 $120,188 $752 3.20%
43% 206 $25,490,000 $123,738 $633 3.20%
44% 176 $24,060,000 $136,705 $639 3.19%
45% 100 $12,690,000 $126,900 $783 3.02%
46% 74 $10,150,000 $137,162 $589 3.07%
47% 66 $9,090,000 $137,727 $907 2.84%
48% 51 $7,505,000 $147,157 $933 2.99%
50-60% 46 $6,170,000 $134,130 $522 2.86%
49% 23 $2,725,000 $118,478 $625 2.78%
>60% 12 $820,000 $68,333 $0 2.90%

Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,887 originations. The next most common DTI ratio? 30-36%, with 1,597 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 6,826 $812,370,000 $119,011 $722 3.11%
Not applicable 118 $71,840,000 $608,814 $0 4.07%
Not provided 149 $23,075,000 $154,866 $1,041 3.11%
Asian 85 $12,315,000 $144,882 $1,907 3.02%
Black 104 $12,260,000 $117,885 $749 3.36%
American Indian 23 $2,325,000 $101,087 $372 3.20%
Other Asian 6 $1,000,000 $166,667 $3,186 2.88%
Native Hawaiian 5 $705,000 $141,000 $831 3.43%
Asian Indian 4 $460,000 $115,000 $2,276 3.09%
Chinese 1 $265,000 $265,000 $2,487 3.38%
Other Pacific Islander 1 $145,000 $145,000 $0 3.75%
Filipino 2 $130,000 $65,000 $0 3.38%
Korean 1 $85,000 $85,000 $3,314 3.13%
Guamanian 1 $75,000 $75,000 $0 3.50%

Approval Rates

Total approvals of all applications
84.74%

Community Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
89.44%

Community Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
0.0 10 $1,650,000 $165,000
NA 7,316 $935,400,000 $127,857

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
7,326 $937,050,000 $127,907

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 987 $69,885,000 $70,805 $352 2.68%
40-60% 1,279 $157,425,000 $123,084 $811 2.94%
60-80% 2,384 $395,950,000 $166,086 $973 3.29%
80-100% 2,037 $286,555,000 $140,675 $754 3.49%
Under 20% 639 $27,235,000 $42,621 $77 2.47%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Community Bank, National Association 100 East Main Street Gouverneur, NY 13642 Full Service B&M $68,880
Community Bank, National Association 108 North Washington Ave. Scranton, PA 18503 Full Service B&M $48,938
Community Bank, National Association 109 South Main Street Naples, NY 14512 Full Service B&M $25,770
Community Bank, National Association 11 Megan Drive Geneseo, NY 14454 Full Service B&M $0
Community Bank, National Association 11 Schuyler Street Belmont, NY 14813 Full Service B&M $61,992
Community Bank, National Association 11 Tuscarora Street Addison, NY 14801 Full Service B&M $28,596
Community Bank, National Association 1125 Arsenal Street Watertown, NY 13601 Full Service B&M $95,523
Community Bank, National Association 113 North Main Street Wellsville, NY 14895 Full Service B&M $76,050
Community Bank, National Association 114 Main Street Bradford, VT 5033 Full Service B&M $37,758
Community Bank, National Association 117 Montcalm Street Ticonderoga, NY 12883 Full Service B&M $27,900
Community Bank, National Association 1199 Main Street Long Lake, NY 12847 Full Service B&M $41,572
Community Bank, National Association 12 West Ridge Street Lansford, PA 18232 Full Service B&M $17,491
Community Bank, National Association 120 North First Street Lehighton, PA 18235 Full Service B&M $41,052
Community Bank, National Association 14216 State Street, P.O. Box 169 Harrisville, NY 13648 Full Service B&M $12,374
Community Bank, National Association 14230 Nys Route 9 North Au Sable Forks, NY 12912 Full Service B&M $42,701
Community Bank, National Association 15 West Street Bristol, VT 5443 Full Service B&M $60,115
Community Bank, National Association 150 West Market Street Corning, NY 14830 Full Service B&M $59,653
Community Bank, National Association 1500 Main Street Springfield, MA 1115 Full Service B&M $46,080
Community Bank, National Association 151 Main Street Penn Yan, NY 14527 Full Service B&M $70,518
Community Bank, National Association 15229 State Highway 30 Downsville, NY 13755 Full Service B&M $23,561
Community Bank, National Association 1573 State Route 458, P.O. Box 308 Saint Regis Falls, NY 12980 Full Service B&M $67,445
Community Bank, National Association 160 Brooks Rd. Rome, NY 13441 Full Service B&M $50,687
Community Bank, National Association 1608 Main Street Woodhull, NY 14898 Full Service B&M $20,284
Community Bank, National Association 16632 State Rte 706 Montrose, PA 18801 Full Service B&M $59,032
Community Bank, National Association 1700 N. Keyser Avenue Scranton, PA 18508 Full Service B&M $106,843
Community Bank, National Association 2 West Main Street Waterloo, NY 13165 Full Service B&M $73,610
Community Bank, National Association 20 Wildbriar Road Rochester, NY 14623 Full Service B&M $7,157
Community Bank, National Association 200 East Buffalo Street Ithaca, NY 14850 Full Service B&M $5,683
Community Bank, National Association 201 North Union Street Olean, NY 14760 Full Service B&M $371,967
Community Bank, National Association 205 Main Street Brattleboro, VT 5301 Full Service B&M $34,511
Community Bank, National Association 205 State Street Clayton, NY 13624 Full Service B&M $63,169
Community Bank, National Association 205 Vermont Route 15 Jericho, VT 5465 Full Service B&M $64,475
Community Bank, National Association 21 West Main Street Cuba, NY 14727 Full Service B&M $49,604
Community Bank, National Association 210 Church Street Jessup, PA 18434 Full Service B&M $37,942
Community Bank, National Association 210 Northside Drive Bennington, VT 5201 Full Service B&M $53,460
Community Bank, National Association 211 Erie Boulevard Canajoharie, NY 13317 Full Service B&M $36,146
Community Bank, National Association 216 Washington Street Watertown, NY 13601 Full Service B&M $248,942
Community Bank, National Association 25 South Main Street Jamestown, NY 14701 Full Service B&M $56,625
Community Bank, National Association 2516 West Main Street Cato, NY 13033 Full Service B&M $38,587
Community Bank, National Association 26 Ballard's Corner Road Hinesburg, VT 5461 Full Service B&M $59,662
Community Bank, National Association 26 East Church Street Adams, NY 13605 Full Service B&M $47,805
Community Bank, National Association 26 East Main Street Clifton Springs, NY 14432 Full Service B&M $48,920
Community Bank, National Association 272 Lake Street Plaza Penn Yan, NY 14527 Full Service B&M $34,822
Community Bank, National Association 28 Cottonwood Drive Williston, VT 5495 Full Service B&M $108,093
Community Bank, National Association 28 South Main Street Norwood, NY 13668 Full Service B&M $11,531
Community Bank, National Association 28499 Route 3 Black River, NY 13612 Full Service B&M $42,858
Community Bank, National Association 286 Route 7, South Rutland, VT 5701 Full Service B&M $62,267
Community Bank, National Association 29 Main Street Arkport, NY 14807 Full Service B&M $40,587
Community Bank, National Association 3 Park Place Hammondsport, NY 14840 Full Service B&M $29,366
Community Bank, National Association 343 Church Street Hannibal, NY 13074 Full Service B&M $48,074
Community Bank, National Association 345 Central Avenue Dunkirk, NY 14048 Full Service B&M $63,211
Community Bank, National Association 35 Broad Street Hamilton, NY 13346 Full Service B&M $68,560
Community Bank, National Association 361 North Main Street Barre, VT 5641 Full Service B&M $57,196
Community Bank, National Association 364 Main Street Winooski, VT 5404 Full Service B&M $75,937
Community Bank, National Association 371 Main Street Enosburg Falls, VT 5450 Full Service B&M $34,130
Community Bank, National Association 3748 County Route 14 Madrid, NY 13660 Full Service B&M $22,399
Community Bank, National Association 38 South Main Street Andover, NY 14806 Full Service B&M $17,991
Community Bank, National Association 380 Main Street Bolivar, NY 14715 Full Service B&M $33,732
Community Bank, National Association 39 North Main Street Alfred, NY 14802 Full Service B&M $71,359
Community Bank, National Association 39 North Pearl Street Albany, NY 12207 Full Service B&M $8,196
Community Bank, National Association 3909 Vineyard Drive Dunkirk, NY 14048 Full Service B&M $66,729
Community Bank, National Association 426 State Street Wyalusing, PA 18853 Full Service B&M $26,312
Community Bank, National Association 434 Chestnut Street Oneonta, NY 13820 Full Service B&M $50,771
Community Bank, National Association 44 West Main Street Fillmore, NY 14735 Full Service B&M $55,150
Community Bank, National Association 45 South Main Street Pittston, PA 18640 Full Service B&M $30,774
Community Bank, National Association 45-49 Court Street Canton, NY 13617 Full Service B&M $0
Community Bank, National Association 45562 Route 12 Thompson Mall Alexandria Bay, NY 13607 Full Service B&M $40,697
Community Bank, National Association 46 Broadway Saranac Lake, NY 12983 Full Service B&M $52,954
Community Bank, National Association 46 Main Street Mount Morris, NY 14510 Full Service B&M $20,656
Community Bank, National Association 4675 State Route 233 Westmoreland, NY 13490 Full Service B&M $30,484
Community Bank, National Association 468 State Route 3 Plattsburgh, NY 12901 Full Service B&M $375,107
Community Bank, National Association 475 North Highland Avenue Wellsville, NY 14895 Full Service B&M $195,916
Community Bank, National Association 4781 State Highway 30 Amsterdam, NY 12010 Full Service B&M $31,887
Community Bank, National Association 519 Genesee Street Chittenango, NY 13037 Full Service B&M $105,710
Community Bank, National Association 5238 West Seneca Street Vernon, NY 13476 Full Service B&M $62,349
Community Bank, National Association 525 East Main Street Palmyra, NY 14522 Full Service B&M $92,372
Community Bank, National Association 535 Wyoming Avenue Kingston, PA 18704 Full Service B&M $80,588
Community Bank, National Association 5378 State Highway 28 Cooperstown, NY 13326 Full Service B&M $30,475
Community Bank, National Association 5397 Dayan Street Lowville, NY 13367 Limited, Drive-thru $0
Community Bank, National Association 54 Pearl Street Essex Junction, VT 5452 Full Service B&M $70,986
Community Bank, National Association 567 Columbia Turnpike East Greenbush, NY 12061 Full Service B&M $63,535
Community Bank, National Association 5790 Widewaters Parkway De Witt, NY 13214 Limited, Administrative $0
Community Bank, National Association 5821 Bridge Street East Syracuse, NY 13057 Full Service B&M $261,678
Community Bank, National Association 585 Main Street Oneida, NY 13421 Full Service B&M $41,877
Community Bank, National Association 588 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $43,679
Community Bank, National Association 5966-5968 State Route 31 Cicero, NY 13039 Full Service B&M $24,676
Community Bank, National Association 62 Main Street Cooperstown, NY 13326 Full Service B&M $28,072
Community Bank, National Association 620 Centre Street Freeland, PA 18224 Full Service B&M $46,108
Community Bank, National Association 6321 Route 30 Indian Lake, NY 12842 Full Service B&M $29,574
Community Bank, National Association 64 North Franklin Street Wilkes Barre, PA 18701 Full Service B&M $117,433
Community Bank, National Association 64-70 Market Street Potsdam, NY 13676 Full Service B&M $104,987
Community Bank, National Association 645 Washington Avenue Jermyn, PA 18433 Full Service B&M $64,812
Community Bank, National Association 659 South Main Street Canandaigua, NY 14424 Full Service B&M $94,255
Community Bank, National Association 67 Salem Avenue Carbondale, PA 18407 Full Service B&M $24,787
Community Bank, National Association 68 Genesee Street Avon, NY 14414 Full Service B&M $60,640
Community Bank, National Association 7 North Main Street Portville, NY 14770 Full Service B&M $46,167
Community Bank, National Association 70 Depot Square Northfield, VT 5663 Full Service B&M $26,852
Community Bank, National Association 70 East Main Street Westfield, NY 14787 Full Service B&M $72,999
Community Bank, National Association 70 Falls Street Seneca Falls, NY 13148 Full Service B&M $35,361
Community Bank, National Association 710 West Miller Street Newark, NY 14513 Full Service B&M $43,645
Community Bank, National Association 7193 Main Street Ovid, NY 14521 Full Service B&M $58,543
Community Bank, National Association 7395 Turin Road Lowville, NY 13367 Full Service B&M $65,971
Community Bank, National Association 75 Park Street Tupper Lake, NY 12986 Full Service B&M $91,444
Community Bank, National Association 750 East Main Street Cobleskill, NY 12043 Full Service B&M $27,203
Community Bank, National Association 76 West Main Street Gowanda, NY 14070 Full Service B&M $134,042
Community Bank, National Association 7605 N State Street Lowville, NY 13367 Full Service B&M $143,721
Community Bank, National Association 78 South Wyoming Avenue Edwardsville, PA 18704 Full Service B&M $33,412
Community Bank, National Association 7812 Turin Road Rome, NY 13440 Full Service B&M $22,152
Community Bank, National Association 782 Troy Schenectady Road Latham, NY 12110 Full Service B&M $27,380
Community Bank, National Association 8 Liberty Street Bath, NY 14810 Full Service B&M $128,984
Community Bank, National Association 80 Main Street Canton, NY 13617 Full Service B&M $211,832
Community Bank, National Association 8036 Route 60 Cassadaga, NY 14718 Full Service B&M $37,084
Community Bank, National Association 811 Canandaigua Road Geneva, NY 14456 Full Service B&M $39,738
Community Bank, National Association 8192 Sr 6, P.O. Box 40 Meshoppen, PA 18630 Full Service B&M $34,344
Community Bank, National Association 825 State Street Ogdensburg, NY 13669 Full Service B&M $95,980
Community Bank, National Association 830 County Road 64 Elmira, NY 14903 Full Service B&M $30,810
Community Bank, National Association 84 Bridge Street Carthage, NY 13619 Full Service B&M $69,327
Community Bank, National Association 84 Vermont Route 15-West Hardwick, VT 5843 Full Service B&M $53,761
Community Bank, National Association 85 Sherwood Road Delhi, NY 13753 Full Service B&M $39,566
Community Bank, National Association 8503 Main Street Williamsville, NY 14221 Full Service B&M $3,291
Community Bank, National Association 864 State Route 11 Champlain, NY 12919 Full Service B&M $57,570
Community Bank, National Association 8720 East Main Street Clymer, NY 14724 Full Service B&M $41,046
Community Bank, National Association 9 Margaret St Plattsburgh, NY 12901 Full Service B&M $75,001
Community Bank, National Association 92 Main Street Whitehall, NY 12887 Full Service B&M $40,695
Community Bank, National Association 92 Woodstock Avenue Rutland, VT 5701 Full Service B&M $32,794
Community Bank, National Association 928 State Highway Route 244 Alfred, NY 14802 Full Service B&M $0
Community Bank, National Association 929 Shelburne Road South Burlington, VT 5403 Full Service B&M $71,171
Community Bank, National Association 931 South State Street Clarks Summit, PA 18411 Full Service B&M $31,512
Community Bank, National Association 942 Drinker Turnpike Covington Township, PA 18444 Full Service B&M $36,230
Community Bank, National Association 96 Union Turnpike Hudson, NY 12534 Full Service B&M $68,803
Community Bank, National Association 97 East Main Street Wilmington, VT 5363 Full Service B&M $32,747
Community Bank, National Association 97 Main Street Fair Haven, VT 5743 Full Service B&M $44,578
Community Bank, National Association 994 Waterbury Stowe Road Waterbury, VT 5676 Full Service B&M $28,480
Community Bank, National Association Main Street And Hudson Avenue And Park Row Chatham, NY 12037 Full Service B&M $87,737
Community Bank, National Association One East Genesee Street Skaneateles, NY 13152 Full Service B&M $50,951
Community Bank, National Association One South First Street Fulton, NY 13069 Full Service B&M $52,150
Community Bank, National Association One Steuben Square Hornell, NY 14843 Full Service B&M $144,780
Community Bank, National Association Route 9 Valatie, NY 12184 Full Service B&M $61,214
Community Bank, National Association Www.Communitybankna.Com Canton, NY 13617 Limited, Administrative $0
Community Bank, National Association 1 Clifton Springs Plaza Clifton Springs, NY 14432 Full Service B&M $14,764
Community Bank, National Association 1 Hudson Street Kinderhook, NY 12106 Full Service B&M $64,753
Community Bank, National Association 1 Main St Canisteo, NY 14823 Full Service B&M $9,883
Community Bank, National Association 1 Main Street Waddington, NY 13694 Full Service B&M $12,372
Community Bank, National Association 1 North Main Street Rushville, NY 14544 Full Service B&M $20,209
Community Bank, National Association 1 West Fairmount Avenue Lakewood, NY 14750 Full Service B&M $53,394
Community Bank, National Association 1 West Main Street Ripley, NY 14775 Full Service B&M $17,624
Community Bank, National Association 10 Elm Street Malone, NY 12953 Full Service B&M $0
Community Bank, National Association 100 Church Street Newark, NY 14513 Full Service B&M $45,763
Community Bank, National Association 100 East First Street Oswego, NY 13126 Full Service B&M $127,638
Community Bank, National Association 121 Main Street Massena, NY 13662 Full Service B&M $43,059
Community Bank, National Association 12188 Route 16 Yorkshire, NY 14173 Full Service B&M $42,196
Community Bank, National Association 122 Main Street Randolph, NY 14772 Full Service B&M $35,800
Community Bank, National Association 1230 Memorial Highway, Suite 1 Shavertown, PA 18708 Full Service B&M $71,729
Community Bank, National Association 124 Delaware St Walton, NY 13856 Full Service B&M $32,106
Community Bank, National Association 128 Lackawanna Ave. Olyphant, PA 18447 Full Service B&M $77,799
Community Bank, National Association 13 Park Square Franklinville, NY 14737 Full Service B&M $44,895
Community Bank, National Association 1300 Wyoming Avenue Scranton, PA 18509 Full Service B&M $31,970
Community Bank, National Association 1309 Williston Road South Burlington, VT 5403 Full Service B&M $63,010
Community Bank, National Association 13187 State Route 12 Boonville, NY 13309 Limited, Drive-thru $0
Community Bank, National Association 132 Main Street Morris, NY 13808 Full Service B&M $33,374
Community Bank, National Association 1334 Route 96 Phelps, NY 14532 Full Service B&M $29,268
Community Bank, National Association 172 College Street Burlington, VT 5401 Full Service B&M $124,224
Community Bank, National Association 178 East Main Street Chateaugay, NY 12920 Full Service B&M $44,905
Community Bank, National Association 18 South Broad Street Norwich, NY 13815 Full Service B&M $16,555
Community Bank, National Association 180 Delaware Ave Delmar, NY 12054 Full Service B&M $55,414
Community Bank, National Association 180 Swanton Road Saint Albans, VT 5478 Full Service B&M $22,833
Community Bank, National Association 182 Main Street Oneida, NY 13421 Full Service B&M $99,318
Community Bank, National Association 189 Main Street Dansville, NY 14437 Full Service B&M $74,906
Community Bank, National Association 19 Corporate Woods Blvd Albany, NY 12211 Full Service B&M $0
Community Bank, National Association 19 Union Street Sidney, NY 13838 Full Service B&M $43,400
Community Bank, National Association 198 East Tioga Street Tunkhannock, PA 18657 Full Service B&M $82,757
Community Bank, National Association 1982 East Main Street Falconer, NY 14733 Full Service B&M $36,693
Community Bank, National Association 2 Chester Road, Suite 6 Springfield, VT 5156 Full Service B&M $44,478
Community Bank, National Association 228 Central Avenue Silver Creek, NY 14136 Full Service B&M $38,882
Community Bank, National Association 2297 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $61,499
Community Bank, National Association 23 Commercial Street Livonia, NY 14487 Full Service B&M $48,563
Community Bank, National Association 23 Riverside Drive Johnson City, NY 13790 Full Service B&M $36,875
Community Bank, National Association 235 South Cascade Drive Springville, NY 14141 Full Service B&M $31,327
Community Bank, National Association 24 North Buffalo Street Springville, NY 14141 Full Service B&M $65,992
Community Bank, National Association 240 South Hamilton Street Painted Post, NY 14870 Full Service B&M $13,640
Community Bank, National Association 244 Main Street North Creek, NY 12853 Full Service B&M $45,378
Community Bank, National Association 245 Main Street Oneonta, NY 13820 Full Service B&M $164,407
Community Bank, National Association 2490 North Main Street Warsaw, NY 14569 Full Service B&M $23,775
Community Bank, National Association 25 Monkton Road Vergennes, VT 5491 Full Service B&M $32,924
Community Bank, National Association 25 Ralph Lehman Drive White River Junction, VT 5001 Full Service B&M $41,524
Community Bank, National Association 30 South Church Street Hazleton, PA 18201 Full Service B&M $108,802
Community Bank, National Association 300 West Water Street Elmira, NY 14901 Full Service B&M $56,630
Community Bank, National Association 301 Route 2 South Hero, VT 5486 Full Service B&M $52,321
Community Bank, National Association 304 Main Street Otego, NY 13825 Full Service B&M $22,343
Community Bank, National Association 3074 Nys Route 417 Olean, NY 14760 Full Service B&M $43,214
Community Bank, National Association 3102 State Route 28 Old Forge, NY 13420 Full Service B&M $71,341
Community Bank, National Association 311 North Comrie Ave. Johnstown, NY 12095 Full Service B&M $59,392
Community Bank, National Association 319 Main Street Bolivar, NY 14715 Full Service B&M $0
Community Bank, National Association 32-34 West Main Street Angelica, NY 14709 Full Service B&M $23,455
Community Bank, National Association 320 Ford Street Ogdensburg, NY 13669 Full Service B&M $41,740
Community Bank, National Association 320 West Main St Malone, NY 12953 Full Service B&M $213,902
Community Bank, National Association 331 West Pulteney Street Corning, NY 14830 Full Service B&M $21,132
Community Bank, National Association 400 Airport Road Hazle Township, PA 18202 Full Service B&M $54,837
Community Bank, National Association 400 Main Street Towanda, PA 18848 Full Service B&M $16,262
Community Bank, National Association 401 North Franklin Street Watkins Glen, NY 14891 Full Service B&M $63,626
Community Bank, National Association 406 Main Street Laceyville, PA 18623 Full Service B&M $50,866
Community Bank, National Association 406 South Main Street Wilkes Barre, PA 18701 Full Service B&M $32,311
Community Bank, National Association 4091 State Highway 3 Star Lake, NY 13690 Full Service B&M $27,919
Community Bank, National Association 41 East River Road Nichols, NY 13812 Full Service B&M $30,895
Community Bank, National Association 41 Harden Boulevard Camden, NY 13316 Full Service B&M $68,423
Community Bank, National Association 41 May Road Potsdam, NY 13676 Limited, Drive-thru $0
Community Bank, National Association 4116 Center Street Lyons Falls, NY 13368 Full Service B&M $43,771
Community Bank, National Association 4141 State Highway 28 Boiceville, NY 12412 Full Service B&M $59,597
Community Bank, National Association 4218 Lakeville Road Geneseo, NY 14454 Full Service B&M $66,605
Community Bank, National Association 48 Albany Street Cazenovia, NY 13035 Full Service B&M $120,191
Community Bank, National Association 481 Portland Street Saint Johnsbury, VT 5819 Full Service B&M $25,757
Community Bank, National Association 4837 State Highway 23 Norwich, NY 13815 Full Service B&M $14,044
Community Bank, National Association 4854 North Jefferson Street Pulaski, NY 13142 Full Service B&M $41,808
Community Bank, National Association 4987 State Highway 23 Oneonta, NY 13820 Full Service B&M $29,032
Community Bank, National Association 4996 Main Street Manchester Center, VT 5255 Full Service B&M $47,080
Community Bank, National Association 5 Clark Street Orchard Park, NY 14127 Full Service B&M $55,535
Community Bank, National Association 5 Seneca Street Geneva, NY 14456 Full Service B&M $74,287
Community Bank, National Association 50 Main Street Belfast, NY 14711 Full Service B&M $16,303
Community Bank, National Association 50 West Main Street, Price Chopper Fairground Plaza Owego, NY 13827 Full Service B&M $14,052
Community Bank, National Association 500 Davis Street Scranton, PA 18505 Full Service B&M $47,480
Community Bank, National Association 500 Delaware Avenue Olean, NY 14760 Full Service B&M $26,788
Community Bank, National Association 101 East Main Street Milford, NY 13807 Full Service B&M $15,417
Community Bank, National Association 101 Main Street Boonville, NY 13309 Full Service B&M $85,874
Community Bank, National Association 101 Main Street Schenevus, NY 12155 Full Service B&M $30,462
Community Bank, National Association 101 W Main Street Sherman, NY 14781 Full Service B&M $25,421
Community Bank, National Association 1014 North Avenue Burlington, VT 5408 Full Service B&M $60,263
Community Bank, National Association 103 Lower Main Street Johnson, VT 5656 Full Service B&M $34,904
Community Bank, National Association 103 Main Street Salamanca, NY 14779 Full Service B&M $30,001
Community Bank, National Association 1033 Maple Street, Suite 1 Little Meadows, PA 18830 Full Service B&M $15,724
Community Bank, National Association 104 South Peterboro Street Canastota, NY 13032 Full Service B&M $51,872
Community Bank, National Association 10490 Main Street North Collins, NY 14111 Full Service B&M $60,733
Community Bank, National Association 105 Main Street Moravia, NY 13118 Full Service B&M $18,613

For 2021, Community Bank had 232 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $389,161
Net interest income $376,288
Total noninterest income $103,935
Gross Fiduciary activities income $12,562
Service charges on deposit accounts $31,032
Trading account gains and fees $0
Additional Noninterest Income $60,341
Pre-tax net operating income $197,588
Securities gains (or losses, -) $0
Income before extraordinary items $154,581
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $154,581
Minority interest net income $231
Net income $154,350
Sale, conversion, retirement of capital stock, net $0
Net operating income $154,581

Community Bank's gross interest income from loans was $389,161,000.
Community Bank's net interest income from loans was $376,288,000.
Community Bank's fee based income from loans was $31,032,000.
Community Bank's net income from loans was $154,350,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $12,873
Provision for credit losses $-7,376
Total noninterest expense $290,011
Salaries and employee benefits $171,645
Premises and equipment expense $39,656
Additional noninterest expense $78,710
Applicable income taxes $43,007
Net charge-offs $4,282
Cash dividends $120,000

Community Bank's interest expense for loans was $12,873,000.
Community Bank's payroll and benefits expense were $171,645,000.
Community Bank's property, plant and equipment expenses $39,656,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $13,173,952
Deposits held in domestic offices $13,173,952
Deposits by Individuals, partnerships, and corporations $11,665,312
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $1,498,745
Deposits by Commercial banks and other depository institutions in U.S. $9,895
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $7,379,117
Demand deposits $4,177,892
Nontransaction accounts $5,794,835
Money market deposit accounts (MMDAs) $2,603,988
Other savings deposits (excluding MMDAs) $2,255,961
Total time deposits $934,886
Total time and savings deposits $8,996,060
Noninterest-bearing deposits $4,177,892
Interest-bearing deposits $8,996,060
Retail deposits $12,931,888
IRAs and Keogh plan accounts $211,789
Brokered deposits $499
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $15,323,828
Cash & Balances due from depository institutions $1,866,080
Interest-bearing balances $1,710,337
Total securities $4,926,248
Federal funds sold & reverse repurchase $0
Net loans and leases $7,323,769
Loan and leases loss allowance $50,261
Trading account assets $0
Bank premises and fixed assets $144,967
Other real estate owned $718
Goodwill and other intangibles $705,259
All other assets $356,787

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $15,323,828
Total Liabilities $13,646,577
Total deposits $13,173,952
Interest-bearing deposits $8,996,060
Deposits held in domestic offices $13,173,952
% insured (estimated) $68
Federal funds purchased and repurchase agreements $324,720
Trading liabilities $0
Other borrowed funds $1,889
Subordinated debt $0
All other liabilities $146,016

Issued Loan Types

Type Value (in 000's)
Net loans and leases $7,323,769
Loan and leases loss allowance $50,261
Total loans and leases (domestic) $7,374,030
All real estate loans $5,243,712
Real estate loans in domestic offices $5,243,712
Construction and development loans $173,509
Residential 1-4 family construction $32,289
Other construction, all land development and other land $141,220
Loans secured by nonfarm nonresidential properties $1,581,258
Nonfarm nonresidential secured by owner-occupied properties $617,563
Commercial real estate & other non-farm, non-residential $963,695
Multifamily residential real estate $378,123
1-4 family residential loans $3,050,594
Farmland loans $60,228
Loans held in foreign offices $0
Farm loans $30,762
Commercial and industrial loans $601,583
To non-U.S. addressees $202
Loans to individuals $1,345,846
Credit card loans $0
Related Plans $8,544
Consumer Auto Loans $1,053,298
Other loans to individuals $284,004
All other loans & leases $152,127
Loans to foreign governments and official institutions $0
Other loans $67,530
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $2,066
Restructured Loans & leases $3,380
Non 1-4 family restructured loans & leases $765
Total loans and leases (foreign) $0

Community Bank had $7,323,769,000 of loans outstanding in 2021. $5,243,712,000 of loans were in real estate loans. $173,509,000 of loans were in development loans. $378,123,000 of loans were in multifamily mortgage loans. $3,050,594,000 of loans were in 1-4 family mortgage loans. $30,762,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,053,298,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,995 $360,750 $180,827
Nonfarm, nonresidential loans - <$100k 443 $17,310 $39,074
Nonfarm, nonresidential loans - $100-250k 718 $73,033 $101,717
Nonfarm, nonresidential loans - $250k-1MM 834 $270,407 $324,229
Commercial & Industrial, US addressed loans - <$1MM 5,348 $286,741 $53,616
Commercial & Industrial, US addressed loans - <$100k 3,959 $77,241 $19,510
Commercial & Industrial, US addressed loans - $100-250k 804 $69,373 $86,285
Commercial & Industrial, US addressed loans - $250k-1MM 585 $140,127 $239,533
Farmland loans - <$1MM 350 $40,221 $114,917
Farmland loans - <$100k 105 $4,126 $39,295
Farmland loans - $100-250k 176 $20,029 $113,801
Farmland loans - $250k-1MM 69 $16,066 $232,841
Agriculture operations loans - <$1MM 687 $22,130 $32,213
Agriculture operations loans - <$100k 580 $11,227 $19,357
Agriculture operations loans - $100-250k 78 $6,162 $79,000
Agriculture operations loans - $250k-1MM 29 $4,741 $163,483