Community Bank Mortgage Rates, Fees & Info

Canton, NY

LEI: 5493005RDTT7HVODH436

Tax ID: 15-0436580

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Mortgage Data

Bank Data

Review & Overview

Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Scranton, Rochester, Syracuse, Jamestown, and Watertown among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 1.53% 3/28/24
30 Year Conventional Purchase 6.75% 3/28/24
30 Year Conventional Refi 6.63% 3/28/24
30 Year Cash-out Refi 6.02% 3/28/24
30 Year FHA Purchase 7.13% 3/28/24
30 Year VA Purchase 6.39% 3/28/24
30 Year USDA Purchase 6.74% 3/28/24
15 Year Conventional Purchase 6.33% 3/28/24
15 Year Conventional Refi 6.20% 3/28/24
15 Year Cash-out Refi 6.20% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Community Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,563

Origination Dollar Volume (All Markets)

$445,525,000

Employee count

2,138 Show all (17) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 693 $69,695,000 $100,570 $449 5.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 435 $44,475,000 $102,241 $391 5.08%
ROCHESTER, NY (FHA|USDA|VA) 370 $34,100,000 $92,162 $442 4.94%
SYRACUSE, NY (FHA|USDA|VA) 326 $32,180,000 $98,712 $382 5.01%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 389 $30,145,000 $77,494 $247 5.02%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 265 $26,055,000 $98,321 $265 5.09%
Ogdensburg-Massena, NY (FHA|USDA|VA) 300 $23,560,000 $78,533 $254 5.01%
UTICA-ROME, NY (FHA|USDA|VA) 215 $22,775,000 $105,930 $258 5.05%
Plattsburgh, NY (FHA|USDA|VA) 178 $20,020,000 $112,472 $606 5.04%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 88 $19,910,000 $226,250 $894 4.85%
Olean, NY (FHA|USDA|VA) 232 $16,660,000 $71,810 $189 4.96%
Oneonta, NY (FHA|USDA|VA) 139 $14,865,000 $106,942 $452 5.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 141 $14,175,000 $100,532 $383 4.99%
Malone, NY (FHA|USDA|VA) 136 $12,710,000 $93,456 $394 5.01%
Corning, NY (FHA|USDA|VA) 156 $12,240,000 $78,462 $296 5.01%
GLENS FALLS, NY (FHA|USDA|VA) 28 $7,040,000 $251,429 $521 5.34%
BINGHAMTON, NY (FHA|USDA|VA) 65 $5,105,000 $78,538 $177 5.14%
Seneca Falls, NY (FHA|USDA|VA) 69 $5,075,000 $73,551 $228 4.99%
ELMIRA, NY (FHA|USDA|VA) 57 $4,435,000 $77,807 $393 4.97%
Auburn, NY (FHA|USDA|VA) 53 $4,425,000 $83,491 $316 5.11%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 20 $4,140,000 $207,000 $870 5.20%
Chillicothe, OH (FHA|USDA|VA) 1 $3,805,000 $3,805,000 $0 5.05%
ITHACA, NY (FHA|USDA|VA) 26 $3,440,000 $132,308 $748 5.36%
Sayre, PA (FHA|USDA|VA) 35 $3,145,000 $89,857 $214 4.95%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 31 $1,845,000 $59,516 $525 4.88%
Lebanon, NH-VT (FHA|USDA|VA) 22 $1,760,000 $80,000 $185 5.06%
Bennington, VT (FHA|USDA|VA) 16 $1,530,000 $95,625 $662 5.10%
Rutland, VT (FHA|USDA|VA) 21 $1,205,000 $57,381 $482 4.86%
Barre, VT (FHA|USDA|VA) 16 $1,040,000 $65,000 $443 4.93%
Cortland, NY (FHA|USDA|VA) 7 $775,000 $110,714 $906 4.91%
KINGSTON, NY (FHA|USDA|VA) 4 $590,000 $147,500 $882 5.24%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $515,000 $171,667 $0 5.20%
Pottsville, PA (FHA|USDA|VA) 7 $405,000 $57,857 $0 5.18%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,178 5.13%
Batavia, NY (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.50%
Amsterdam, NY (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.19%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $150,000 $75,000 $208 5.56%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $135,000 $135,000 $1,817 5.00%
Warren, PA (FHA|USDA|VA) 1 $125,000 $125,000 $500 5.25%
Bradford, PA (FHA|USDA|VA) 3 $105,000 $35,000 $42 4.83%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $90,000 $45,000 $3,898 4.63%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $65,000 $65,000 $385 5.63%
Hudson, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
ERIE, PA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.00%
Community Bank's top markets include Scranton, Rochester, Syracuse, Jamestown, and Watertown among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Vermont (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Watertown Savings Bank
    Similarity Rank: 12
    Northfield Savings Bank
    Similarity Rank: 40
    SECNY Federal Credit Union
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    Pittsford Federal Credit Union
    Similarity Rank: 44
    ONTARIO SHORES
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    The Bank of Greene County
    Similarity Rank: 54
    VERMONT STATE EMPLOYEES
    Similarity Rank: 72

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,959 $403,285,000 $101,865 $351 5.02%
    HELOC 581 $40,135,000 $69,079 n/a 0.00%
    USDA 23 $2,105,000 $91,522 $2,902 4.72%

    For 2018, Community Bank's most frequently originated type of loan was Conventional, with 3,959 originations. Their 2nd most popular type was HELOC, with 581 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,082 $246,460,000 $118,377 $551 5.08%
    Refi 1,295 $134,255,000 $103,672 $209 4.94%
    Home Improvement 702 $38,200,000 $54,416 $62 4.98%
    Other 481 $26,415,000 $54,917 $185 4.93%
    Cash Out Refi 3 $195,000 $65,000 $2,686 4.21%

    For 2018, Community Bank's most frequently cited loan purpose was Home Purchase, with 2,082 originations. The 2nd most popular reason was Refi, with 1,295 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,346 $255,180,000 $108,772 $580 5.16%
    15 Year 679 $54,535,000 $80,317 $362 4.97%
    20 Year 596 $49,160,000 $82,483 $156 5.06%
    10 Year 506 $61,100,000 $120,751 $95 5.06%
    5 Year 326 $12,610,000 $38,681 $27 4.23%
    Other 101 $11,265,000 $111,535 $127 5.05%
    3 Year 6 $1,200,000 $200,000 $0 4.42%
    1 Year 3 $475,000 $158,333 $0 5.75%

    For 2018, Community Bank's most frequently cited loan duration was 30 Year, with 2,346 originations. The 2nd most popular length was 15 Year, with 679 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,681 $332,175,000 $90,240
    $1k-2k 54 $9,750,000 $180,556
    $2k-3k 19 $3,725,000 $196,053
    $3k-4k 2 $400,000 $200,000
    $5k+ 2 $260,000 $130,000

    Community Bank's average total fees were $580, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,681 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,855 $190,965,000 $102,946
    4-5% 1,776 $191,060,000 $107,579
    3-4% 278 $15,550,000 $55,935
    6-7% 40 $6,410,000 $160,250
    Over 8% 27 $1,085,000 $40,185
    7-8% 5 $185,000 $37,000
    % 1 $135,000 $135,000

    During 2018, Community Bank's average interest rate for loans was 5.16%, while their most frequently originated rate bucket for loans was 5-6%, with 1,855 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,053 $162,575,000 $53,251 $196 5.02%
    $100k-200k 1,184 $160,660,000 $135,693 $567 5.04%
    $200k-400k 275 $71,275,000 $259,182 $1,114 4.96%
    $400k-600k 31 $14,145,000 $456,290 $1,731 4.83%
    $1MM+ 11 $30,065,000 $2,733,182 $0 5.06%
    $600k-1MM 9 $6,805,000 $756,111 $4,313 4.82%

    2018 saw Community Bank place emphasis on $100,000 or less loans with 3,053 originations, totaling $162,575,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,387 $81,265,000 $58,590 $259 5.05%
    $50k-75k 1,228 $96,130,000 $78,282 $334 5.03%
    $75k-100k 772 $76,710,000 $99,365 $372 5.03%
    $100k-150k 607 $69,775,000 $114,951 $497 5.02%
    $150k-250k 300 $50,910,000 $169,700 $690 4.92%
    $250k+ 76 $20,450,000 $269,079 $1,591 4.82%

    Community Bank lent most frequently to those with incomes in the $50k or less range, with 1,387 originations. The second most popular income band? $50k-75k, with 1,228 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,068 $91,620,000 $85,787 $371 4.96%
    30-36% 1,029 $90,805,000 $88,246 $364 5.03%
    <20% 301 $22,675,000 $75,332 $420 4.88%
    42% 265 $25,995,000 $98,094 $256 5.04%
    38% 237 $20,945,000 $88,376 $325 5.03%
    40% 233 $19,685,000 $84,485 $340 5.00%
    41% 232 $20,030,000 $86,336 $303 5.10%
    39% 229 $19,555,000 $85,393 $399 5.06%
    37% 208 $19,420,000 $93,365 $411 5.05%
    36% 190 $17,590,000 $92,579 $318 5.06%
    43% 114 $11,400,000 $100,000 $418 4.99%
    44% 99 $10,095,000 $101,970 $315 5.07%
    45% 67 $7,715,000 $115,149 $364 5.19%
    46% 64 $7,790,000 $121,719 $680 5.06%
    47% 54 $5,310,000 $98,333 $426 5.12%
    50-60% 34 $4,420,000 $130,000 $566 4.96%
    49% 26 $3,220,000 $123,846 $597 4.96%
    48% 25 $3,085,000 $123,400 $634 4.99%
    >60% 10 $4,230,000 $423,000 $0 4.61%

    Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,068 originations. The next most common DTI ratio? 30-36%, with 1,029 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,365 $400,135,000 $91,669 $360 5.01%
    Not applicable 71 $33,225,000 $467,958 $0 5.42%
    Asian 41 $4,515,000 $110,122 $771 4.99%
    Not provided 33 $3,635,000 $110,152 $941 4.85%
    Black 21 $1,605,000 $76,429 $123 5.15%
    American Indian 18 $1,510,000 $83,889 $391 5.17%
    Native Hawaiian or Islander 11 $685,000 $62,273 $238 5.27%
    Korean 1 $115,000 $115,000 $335 4.38%
    Other Pacific Islander 1 $55,000 $55,000 $0 5.13%
    Other Asian 1 $45,000 $45,000 $100 5.13%

    Approval Rates

    Total approvals of all applications
    85.72%

    Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.36%

    Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,563 $445,525,000 $97,639

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $240,000 $120,000
    Multifamily:Site-Built 40 $37,720,000 $943,000
    Single Family (1-4 Units):Manufactured 394 $27,940,000 $70,914
    Single Family (1-4 Units):Site-Built 4,127 $379,625,000 $91,986

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 717 $41,545,000 $57,943 $95 4.88%
    40-60% 584 $57,160,000 $97,877 $297 4.91%
    60-80% 1,358 $166,980,000 $122,960 $505 5.06%
    80-100% 1,393 $160,205,000 $115,007 $447 5.11%
    Over 100% 6 $1,410,000 $235,000 $2,661 5.31%
    Under 20% 505 $18,225,000 $36,089 $30 4.86%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Community Lending of America, Inc. VA mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Bank, National Association 103 Lower Main Street Johnson, VT 5656 Full Service B&M $27,326
    Community Bank, National Association 1 Clifton Springs Plaza Clifton Springs, NY 14432 Full Service B&M $11,539
    Community Bank, National Association 1 Main Street Waddington, NY 13694 Full Service B&M $13,525
    Community Bank, National Association 1 North Main Street Rushville, NY 14544 Full Service B&M $15,827
    Community Bank, National Association 1 West Fairmount Avenue Lakewood, NY 14750 Full Service B&M $28,755
    Community Bank, National Association 1 West Main Street Ripley, NY 14775 Full Service B&M $12,603
    Community Bank, National Association 10 Elm Street Malone, NY 12953 Full Service B&M $75,668
    Community Bank, National Association 100 Church Street Newark, NY 14513 Full Service B&M $36,525
    Community Bank, National Association 100 East First Street Oswego, NY 13126 Full Service B&M $89,550
    Community Bank, National Association 100 East Main Street Gouverneur, NY 13642 Full Service B&M $52,883
    Community Bank, National Association 101 East Main Street Milford, NY 13807 Full Service B&M $14,139
    Community Bank, National Association 101 Main Street Boonville, NY 13309 Full Service B&M $70,293
    Community Bank, National Association 101 Main Street Schenevus, NY 12155 Full Service B&M $26,331
    Community Bank, National Association 101 W Main Street Sherman, NY 14781 Full Service B&M $19,252
    Community Bank, National Association 1014 North Avenue Burlington, VT 5408 Full Service B&M $41,829
    Community Bank, National Association 103 Main Street Salamanca, NY 14779 Full Service B&M $19,142
    Community Bank, National Association 1033 Maple Street, Suite 1 Little Meadows, PA 18830 Full Service B&M $15,168
    Community Bank, National Association 104 South Peterboro Street Canastota, NY 13032 Full Service B&M $45,468
    Community Bank, National Association 10490 Main Street North Collins, NY 14111 Full Service B&M $41,649
    Community Bank, National Association 105 Main Street Moravia, NY 13118 Full Service B&M $14,746
    Community Bank, National Association 108 North Washington Ave. Scranton, PA 18503 Full Service B&M $38,903
    Community Bank, National Association 1084 Main Street Fleischmanns, NY 12430 Full Service B&M $20,060
    Community Bank, National Association 109 South Main Street Naples, NY 14512 Full Service B&M $18,422
    Community Bank, National Association 11 Tuscarora Street Addison, NY 14801 Full Service B&M $22,176
    Community Bank, National Association 111 Church Street Hermon, NY 13652 Full Service B&M $9,366
    Community Bank, National Association 1125 Arsenal Street Watertown, NY 13601 Full Service B&M $81,566
    Community Bank, National Association 113 North Main Street Wellsville, NY 14895 Full Service B&M $57,668
    Community Bank, National Association 114 Main Street Bradford, VT 5033 Full Service B&M $31,980
    Community Bank, National Association 117 Montcalm Street Ticonderoga, NY 12883 Full Service B&M $22,424
    Community Bank, National Association 118 Main Street Whitehall, NY 12887 Full Service B&M $19,569
    Community Bank, National Association 1199 Main Street Long Lake, NY 12847 Full Service B&M $35,259
    Community Bank, National Association 12 West Ridge Street Lansford, PA 18232 Full Service B&M $16,114
    Community Bank, National Association 120 North First Street Lehighton, PA 18235 Full Service B&M $28,911
    Community Bank, National Association 121 Main Street Massena, NY 13662 Full Service B&M $38,649
    Community Bank, National Association 1213 North Church Street Hazle Township, PA 18202 Full Service B&M $63,667
    Community Bank, National Association 12188 Route 16 Yorkshire, NY 14173 Full Service B&M $28,245
    Community Bank, National Association 122 Main Street Randolph, NY 14772 Full Service B&M $25,701
    Community Bank, National Association 1230 Memorial Highway, Suite 1 Shavertown, PA 18708 Full Service B&M $38,690
    Community Bank, National Association 124 Delaware St Walton, NY 13856 Full Service B&M $30,041
    Community Bank, National Association 128 Lackawanna Ave. Olyphant, PA 18447 Full Service B&M $55,057
    Community Bank, National Association 1281 North Main Street Jamestown, NY 14701 Full Service B&M $19,969
    Community Bank, National Association 13 Park Square Franklinville, NY 14737 Full Service B&M $30,271
    Community Bank, National Association 1300 Wyoming Avenue Scranton, PA 18509 Full Service B&M $25,371
    Community Bank, National Association 1309 Williston Road South Burlington, VT 5403 Full Service B&M $51,612
    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 $30,557
    Community Bank, National Association 1334 Route 96 Phelps, NY 14532 Full Service B&M $20,320
    Community Bank, National Association 14216 State Street Harrisville, NY 13648 Full Service B&M $10,888
    Community Bank, National Association 14230 Nys Route 9 North Au Sable Forks, NY 12912 Full Service B&M $32,252
    Community Bank, National Association 1471 East State Road Olean, NY 14760 Full Service B&M $18,280
    Community Bank, National Association 15 West Street Bristol, VT 5443 Full Service B&M $35,581
    Community Bank, National Association 150 West Market Street Corning, NY 14830 Full Service B&M $48,825
    Community Bank, National Association 1500 Main Street Springfield, MA 1115 Full Service B&M $37,223
    Community Bank, National Association 151 Main Street Penn Yan, NY 14527 Full Service B&M $55,376
    Community Bank, National Association 15229 State Highway 30 Downsville, NY 13755 Full Service B&M $27,841
    Community Bank, National Association 1573 State Route 458 Saint Regis Falls, NY 12980 Full Service B&M $54,249
    Community Bank, National Association 160 Brooks Rd. Rome, NY 13441 Full Service B&M $39,651
    Community Bank, National Association 1608 Main Street Woodhull, NY 14898 Full Service B&M $15,034
    Community Bank, National Association 16632 State Rte 706 Montrose, PA 18801 Full Service B&M $17,481
    Community Bank, National Association 1700 N. Keyser Avenue Scranton, PA 18508 Full Service B&M $74,976
    Community Bank, National Association 172 College Street Burlington, VT 5401 Full Service B&M $118,300
    Community Bank, National Association 178 East Main Street Chateaugay, NY 12920 Full Service B&M $35,484
    Community Bank, National Association 18 South Broad Street Norwich, NY 13815 Full Service B&M $11,397
    Community Bank, National Association 180 Swanton Road Saint Albans, VT 5478 Full Service B&M $22,293
    Community Bank, National Association 182 Main Street Oneida, NY 13421 Full Service B&M $91,710
    Community Bank, National Association 189 Main Street Dansville, NY 14437 Full Service B&M $52,961
    Community Bank, National Association 19 Union Street Sidney, NY 13838 Full Service B&M $35,644
    Community Bank, National Association 198 East Tioga Street Tunkhannock, PA 18657 Full Service B&M $55,882
    Community Bank, National Association 1982 East Main Street Falconer, NY 14733 Full Service B&M $23,832
    Community Bank, National Association 2 Chester Road, Suite 6 Springfield, VT 5156 Full Service B&M $43,408
    Community Bank, National Association 2 Foxcare Drive Oneonta, NY 13820 Full Service B&M $28,918
    Community Bank, National Association 2 West Main Street Waterloo, NY 13165 Full Service B&M $58,284
    Community Bank, National Association 200 East Buffalo Street Ithaca, NY 14850 Full Service B&M $4,867
    Community Bank, National Association 201 North Union Street Olean, NY 14760 Full Service B&M $143,826
    Community Bank, National Association 205 Main Street Brattleboro, VT 5301 Full Service B&M $22,948
    Community Bank, National Association 205 State Street Clayton, NY 13624 Full Service B&M $60,100
    Community Bank, National Association 205 Vermont Route 15 Jericho, VT 5465 Full Service B&M $51,130
    Community Bank, National Association 21 West Main Street Cuba, NY 14727 Full Service B&M $41,643
    Community Bank, National Association 210 Church Street Jessup, PA 18434 Full Service B&M $30,674
    Community Bank, National Association 210 Northside Drive Bennington, VT 5201 Full Service B&M $44,901
    Community Bank, National Association 216 Washington Street Watertown, NY 13601 Full Service B&M $157,001
    Community Bank, National Association 228 Central Avenue Silver Creek, NY 14136 Full Service B&M $33,003
    Community Bank, National Association 2297 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $42,836
    Community Bank, National Association 23 Commercial Street Livonia, NY 14487 Full Service B&M $34,248
    Community Bank, National Association 23 Riverside Drive Johnson City, NY 13790 Full Service B&M $32,672
    Community Bank, National Association 235 South Cascade Drive Springville, NY 14141 Full Service B&M $21,015
    Community Bank, National Association 24 North Buffalo Street Springville, NY 14141 Full Service B&M $43,085
    Community Bank, National Association 240 South Hamilton Street Painted Post, NY 14870 Full Service B&M $9,305
    Community Bank, National Association 244 Main Street North Creek, NY 12853 Full Service B&M $37,977
    Community Bank, National Association 245 Main Street Oneonta, NY 13820 Full Service B&M $125,292
    Community Bank, National Association 25 Consumer Square Plattsburgh, NY 12901 Full Service Retail $11,851
    Community Bank, National Association 25 Monkton Road Vergennes, VT 5491 Full Service B&M $22,392
    Community Bank, National Association 25 Ralph Lehman Drive White River Junction, VT 5001 Full Service B&M $15,054
    Community Bank, National Association 25 South Main Street Jamestown, NY 14701 Full Service B&M $15,266
    Community Bank, National Association 25 Water Street Fort Covington, NY 12937 Full Service B&M $15,386
    Community Bank, National Association 2516 West Main Street Cato, NY 13033 Full Service B&M $29,134
    Community Bank, National Association 26 Ballard's Corner Road Hinesburg, VT 5461 Full Service B&M $43,100
    Community Bank, National Association 26 East Church Street Adams, NY 13605 Full Service B&M $35,421
    Community Bank, National Association 26 East Main Street Clifton Springs, NY 14432 Full Service B&M $44,205
    Community Bank, National Association 272 Lake Street Plaza Penn Yan, NY 14527 Full Service B&M $25,982
    Community Bank, National Association 275 Kennedy Drive South Burlington, VT 5403 Full Service B&M $125,372
    Community Bank, National Association 28 South Main Street Norwood, NY 13668 Full Service B&M $9,596
    Community Bank, National Association 28499 Route 3 Black River, NY 13612 Full Service B&M $25,561
    Community Bank, National Association 286 Route 7, South Rutland, VT 5701 Full Service B&M $44,853
    Community Bank, National Association 2930 Us Route 5 East Thetford, VT 5043 Full Service B&M $18,679
    Community Bank, National Association 3 Park Place Hammondsport, NY 14840 Full Service B&M $26,806
    Community Bank, National Association 30 South Church Street Hazleton, PA 18201 Full Service B&M $34,466
    Community Bank, National Association 300 West Water Street Elmira, NY 14901 Full Service B&M $49,604
    Community Bank, National Association 301 Route 2 South Hero, VT 5486 Full Service B&M $37,681
    Community Bank, National Association 304 Main Street Otego, NY 13825 Full Service B&M $18,971
    Community Bank, National Association 3074 Nys Route 417 Olean, NY 14760 Full Service B&M $30,772
    Community Bank, National Association 3102 State Route 28 Old Forge, NY 13420 Full Service B&M $47,578
    Community Bank, National Association 3150 County Road 10 Canandaigua, NY 14424 Full Service B&M $27,770
    Community Bank, National Association 32-34 West Main Street Angelica, NY 14709 Full Service B&M $13,406
    Community Bank, National Association 320 Ford Street Ogdensburg, NY 13669 Full Service B&M $35,303
    Community Bank, National Association 320 West Main St Malone, NY 12953 Full Service B&M $49,143
    Community Bank, National Association 331 West Pulteney Street Corning, NY 14830 Full Service B&M $17,630
    Community Bank, National Association 343 Church Street Hannibal, NY 13074 Full Service B&M $30,102
    Community Bank, National Association 345 Central Avenue Dunkirk, NY 14048 Full Service B&M $53,144
    Community Bank, National Association 35 Broad Street Hamilton, NY 13346 Full Service B&M $58,508
    Community Bank, National Association 3540 State Route 706 Lawton, PA 18828 Full Service B&M $26,962
    Community Bank, National Association 361 North Main Street Barre, VT 5641 Full Service B&M $41,746
    Community Bank, National Association 364 Main Street Winooski, VT 5404 Full Service B&M $55,191
    Community Bank, National Association 371 Main Street Enosburg Falls, VT 5450 Full Service B&M $28,423
    Community Bank, National Association 3748 County Route 14 Madrid, NY 13660 Full Service B&M $13,582
    Community Bank, National Association 380 Main Street Bolivar, NY 14715 Full Service B&M $16,144
    Community Bank, National Association 39 North Main Street Alfred, NY 14802 Full Service B&M $28,127
    Community Bank, National Association 3909 Vineyard Drive Dunkirk, NY 14048 Full Service B&M $50,612
    Community Bank, National Association 400 Airport Road Hazle Township, PA 18202 Full Service B&M $35,856
    Community Bank, National Association 400 Main Street Towanda, PA 18848 Full Service B&M $15,435
    Community Bank, National Association 401 North Franklin Street Watkins Glen, NY 14891 Full Service B&M $53,185
    Community Bank, National Association 406 Main Street Laceyville, PA 18623 Full Service B&M $38,205
    Community Bank, National Association 406 South Main Street Wilkes Barre, PA 18701 Full Service B&M $24,339
    Community Bank, National Association 4091 State Highway 3 Star Lake, NY 13690 Full Service B&M $20,055
    Community Bank, National Association 41 East River Road Nichols, NY 13812 Full Service B&M $25,206
    Community Bank, National Association 41 Harden Boulevard Camden, NY 13316 Full Service B&M $56,672
    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 $36,102
    Community Bank, National Association 4141 State Highway 28 Boiceville, NY 12412 Full Service B&M $31,046
    Community Bank, National Association 4196 Bolivar Road Wellsville, NY 14895 Full Service B&M $75,544
    Community Bank, National Association 4218 Lakeville Road Geneseo, NY 14454 Full Service B&M $34,424
    Community Bank, National Association 426 State Street Wyalusing, PA 18853 Full Service B&M $27,824
    Community Bank, National Association 434 Chestnut Street Oneonta, NY 13820 Full Service B&M $39,543
    Community Bank, National Association 44 West Main Street Fillmore, NY 14735 Full Service B&M $27,134
    Community Bank, National Association 45 South Main Street Pittston, PA 18640 Full Service B&M $21,782
    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 $31,675
    Community Bank, National Association 46 Broadway Saranac Lake, NY 12983 Full Service B&M $32,047
    Community Bank, National Association 46 Main Street Mount Morris, NY 14510 Full Service B&M $15,551
    Community Bank, National Association 4675 State Route 233 Westmoreland, NY 13490 Full Service B&M $23,991
    Community Bank, National Association 468 State Route 3 Plattsburgh, NY 12901 Full Service B&M $272,559
    Community Bank, National Association 48 Albany Street Cazenovia, NY 13035 Full Service B&M $88,114
    Community Bank, National Association 481 Portland Street Saint Johnsbury, VT 5819 Full Service B&M $25,479
    Community Bank, National Association 4837 State Highway 23 Norwich, NY 13815 Full Service B&M $11,425
    Community Bank, National Association 4854 North Jefferson Street Pulaski, NY 13142 Full Service B&M $38,100
    Community Bank, National Association 4987 State Highway 23 Oneonta, NY 13820 Full Service B&M $21,930
    Community Bank, National Association 4996 Main Street Manchester Center, VT 5255 Full Service B&M $32,488
    Community Bank, National Association 5 Clark Street Orchard Park, NY 14127 Full Service B&M $32,586
    Community Bank, National Association 5 Seneca Street Geneva, NY 14456 Full Service B&M $62,965
    Community Bank, National Association 50 Main Street Belfast, NY 14711 Full Service B&M $12,233
    Community Bank, National Association 50 West Main Street Owego, NY 13827 Full Service B&M $13,176
    Community Bank, National Association 500 Davis Street Scranton, PA 18505 Full Service B&M $40,840
    Community Bank, National Association 500 Delaware Avenue Olean, NY 14760 Full Service B&M $18,443
    Community Bank, National Association 519 Genesee Street Chittenango, NY 13037 Full Service B&M $98,081
    Community Bank, National Association 5238 West Seneca Street Vernon, NY 13476 Full Service B&M $49,107
    Community Bank, National Association 525 East Main Street Palmyra, NY 14522 Full Service B&M $61,295
    Community Bank, National Association 535 Wyoming Avenue Kingston, PA 18704 Full Service B&M $73,320
    Community Bank, National Association 5378 State Highway 28 Cooperstown, NY 13326 Full Service B&M $17,655
    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 $40,762
    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 $170,884
    Community Bank, National Association 585 Main Street Oneida, NY 13421 Full Service B&M $36,516
    Community Bank, National Association 588 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $33,391
    Community Bank, National Association 5966-5968 State Route 31 Cicero, NY 13039 Full Service B&M $12,684
    Community Bank, National Association 62 Main Street Cooperstown, NY 13326 Full Service B&M $21,121
    Community Bank, National Association 620 Centre Street Freeland, PA 18224 Full Service B&M $35,253
    Community Bank, National Association 6321 Route 30 Indian Lake, NY 12842 Full Service B&M $24,282
    Community Bank, National Association 64 North Franklin Street Wilkes Barre, PA 18701 Full Service B&M $114,903
    Community Bank, National Association 64-70 Market Street Potsdam, NY 13676 Full Service B&M $79,279
    Community Bank, National Association 645 Washington Avenue Jermyn, PA 18433 Full Service B&M $57,086
    Community Bank, National Association 6453 Sr 309 , Monroe Township, PA 18657 Full Service B&M $17,402
    Community Bank, National Association 659 South Main Street Canandaigua, NY 14424 Full Service B&M $20,551
    Community Bank, National Association 67 Salem Avenue Carbondale, PA 18407 Full Service B&M $16,646
    Community Bank, National Association 68 Genesee Street Avon, NY 14414 Full Service B&M $53,027
    Community Bank, National Association 7 North Main Street Portville, NY 14770 Full Service B&M $12,415
    Community Bank, National Association 70 Depot Square Northfield, VT 5663 Full Service B&M $21,780
    Community Bank, National Association 70 East Main Street Westfield, NY 14787 Full Service B&M $55,210
    Community Bank, National Association 70 Falls Street Seneca Falls, NY 13148 Full Service B&M $22,319
    Community Bank, National Association 710 West Miller Street Newark, NY 14513 Full Service B&M $35,403
    Community Bank, National Association 7193 Main Street Ovid, NY 14521 Full Service B&M $28,755
    Community Bank, National Association 7279 Seneca Road North Hornell, NY 14843 Full Service B&M $22,497
    Community Bank, National Association 7395 Turin Road Lowville, NY 13367 Full Service B&M $46,223
    Community Bank, National Association 75 Park Street Tupper Lake, NY 12986 Full Service B&M $82,917
    Community Bank, National Association 750 East Main Street Cobleskill, NY 12043 Full Service B&M $21,777
    Community Bank, National Association 76 West Main Street Gowanda, NY 14070 Full Service B&M $105,420
    Community Bank, National Association 7605 N State Street Lowville, NY 13367 Full Service B&M $108,105
    Community Bank, National Association 78 South Wyoming Avenue Edwardsville, PA 18704 Full Service B&M $20,792
    Community Bank, National Association 78 State Street Heuvelton, NY 13654 Full Service B&M $23,070
    Community Bank, National Association 7812 Turin Road Rome, NY 13440 Full Service B&M $17,068
    Community Bank, National Association 8 Liberty Street Bath, NY 14810 Full Service B&M $31,272
    Community Bank, National Association 80 Main Street Canton, NY 13617 Full Service B&M $108,795
    Community Bank, National Association 8036 Route 60 Cassadaga, NY 14718 Full Service B&M $28,267
    Community Bank, National Association 811 Canandaigua Road Geneva, NY 14456 Full Service B&M $30,805
    Community Bank, National Association 8192 Sr 6 Meshoppen, PA 18630 Full Service B&M $24,760
    Community Bank, National Association 825 State Street Ogdensburg, NY 13669 Full Service B&M $52,781
    Community Bank, National Association 830 County Road 64 Elmira, NY 14903 Full Service B&M $25,623
    Community Bank, National Association 8393 Main Street Interlaken, NY 14847 Full Service B&M $17,859
    Community Bank, National Association 84 Bridge Street Carthage, NY 13619 Full Service B&M $48,800
    Community Bank, National Association 84 Vermont Route 15-West Hardwick, VT 5843 Full Service B&M $44,261
    Community Bank, National Association 85 Sherwood Road Delhi, NY 13753 Full Service B&M $24,566
    Community Bank, National Association 864 State Route 11 Champlain, NY 12919 Full Service B&M $44,195
    Community Bank, National Association 8720 East Main Street Clymer, NY 14724 Full Service B&M $28,193
    Community Bank, National Association 9 Margaret St Plattsburgh, NY 12901 Full Service B&M $57,275
    Community Bank, National Association 901 Commerce Boulevard Dickson City, PA 18519 Full Service B&M $13,670
    Community Bank, National Association 92 Woodstock Avenue Rutland, VT 5701 Full Service B&M $25,579
    Community Bank, National Association 929 Shelburne Road South Burlington, VT 5403 Full Service B&M $62,516
    Community Bank, National Association 931 South State Street Clarks Summit, PA 18411 Full Service B&M $24,127
    Community Bank, National Association 942 Drinker Turnpike Covington Township, PA 18444 Full Service B&M $28,207
    Community Bank, National Association 97 East Main Street Wilmington, VT 5363 Full Service B&M $24,704
    Community Bank, National Association 97 Main Street Fair Haven, VT 5743 Full Service B&M $36,789
    Community Bank, National Association 9775 County Road 35 Houghton, NY 14744 Full Service B&M $8,297
    Community Bank, National Association 994 Waterbury Stowe Road Waterbury, VT 5676 Full Service B&M $24,075
    Community Bank, National Association One East Genesee Street Skaneateles, NY 13152 Full Service B&M $22,967
    Community Bank, National Association One South First Street Fulton, NY 13069 Full Service B&M $44,413
    Community Bank, National Association Www.Communitybankna.Com Canton, NY 13617 Limited, Administrative $0

    For 2018, Community Bank had 226 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $365,522
    Net interest income $352,091
    Total noninterest income $99,617
    Gross Fiduciary activities income $9,395
    Service charges on deposit accounts $41,917
    Trading account gains and fees $0
    Additional Noninterest Income $48,305
    Pre-tax net operating income $186,323
    Securities gains (or losses, -) $0
    Income before extraordinary items $149,160
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $149,160
    Minority interest net income $239
    Net income $148,921
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $149,160

    Community Bank's gross interest income from loans was $365,522,000.
    Community Bank's net interest income from loans was $352,091,000.
    Community Bank's fee based income from loans was $41,917,000.
    Community Bank's net income from loans was $148,921,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,431
    Provision for credit losses $12,787
    Total noninterest expense $252,598
    Salaries and employee benefits $146,390
    Premises and equipment expense $37,923
    Additional noninterest expense $68,285
    Applicable income taxes $37,163
    Net charge-offs $11,077
    Cash dividends $98,000

    Community Bank's interest expense for loans was $13,431,000.
    Community Bank's payroll and benefits expense were $146,390,000.
    Community Bank's property, plant and equipment expenses $37,923,000.

    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 0.0%
    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 $8,495,401
    Deposits held in domestic offices $8,495,401
    Deposits by Individuals, partnerships, and corporations $7,608,721
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $882,704
    Deposits by Commercial banks and other depository institutions in U.S. $3,974
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,213,408
    Demand deposits $738,697
    Nontransaction accounts $7,281,993
    Money market deposit accounts (MMDAs) $5,088,196
    Other savings deposits (excluding MMDAs) $1,448,208
    Total time deposits $745,588
    Total time and savings deposits $7,756,704
    Noninterest-bearing deposits $2,479,797
    Interest-bearing deposits $6,015,604
    Retail deposits $8,423,796
    IRAs and Keogh plan accounts $208,255
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $10,412,127
    Cash & Balances due from depository institutions $201,274
    Interest-bearing balances $26,913
    Total securities $2,936,049
    Federal funds sold & reverse repurchase $0
    Net loans and leases $6,231,920
    Loan and leases loss allowance $49,761
    Trading account assets $0
    Bank premises and fixed assets $110,077
    Other real estate owned $1,320
    Goodwill and other intangibles $655,496
    All other assets $275,991

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $10,412,127
    Total Liabilities $8,920,689
    Total deposits $8,495,401
    Interest-bearing deposits $6,015,604
    Deposits held in domestic offices $8,495,401
    % insured (estimated) $48
    Federal funds purchased and repurchase agreements $259,367
    Trading liabilities $0
    Other borrowed funds $56,376
    Subordinated debt $0
    All other liabilities $109,545

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $6,231,920
    Loan and leases loss allowance $49,761
    Total loans and leases (domestic) $6,281,681
    All real estate loans $4,260,145
    Real estate loans in domestic offices $4,260,145
    Construction and development loans $137,469
    Residential 1-4 family construction $14,847
    Other construction, all land development and other land $122,622
    Loans secured by nonfarm nonresidential properties $1,139,597
    Nonfarm nonresidential secured by owner-occupied properties $570,422
    Commercial real estate & other non-farm, non-residential $569,175
    Multifamily residential real estate $231,463
    1-4 family residential loans $2,693,707
    Farmland loans $57,909
    Loans held in foreign offices $0
    Farm loans $34,795
    Commercial and industrial loans $561,306
    To non-U.S. addressees $0
    Loans to individuals $1,262,413
    Credit card loans $0
    Related Plans $10,997
    Consumer Auto Loans $907,224
    Other loans to individuals $344,192
    All other loans & leases $163,022
    Loans to foreign governments and official institutions $0
    Other loans $63,195
    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 $1,543
    Restructured Loans & leases $2,702
    Non 1-4 family restructured loans & leases $867
    Total loans and leases (foreign) $0

    Community Bank had $6,231,920,000 of loans outstanding in 2018. $4,260,145,000 of loans were in real estate loans. $137,469,000 of loans were in development loans. $231,463,000 of loans were in multifamily mortgage loans. $2,693,707,000 of loans were in 1-4 family mortgage loans. $34,795,000 of loans were in farm loans. $0 of loans were in credit card loans. $907,224,000 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 2,086 $356,924 $171,105
    Nonfarm, nonresidential loans - <$100k 502 $20,436 $40,709
    Nonfarm, nonresidential loans - $100-250k 789 $84,451 $107,035
    Nonfarm, nonresidential loans - $250k-1MM 795 $252,037 $317,028
    Commercial & Industrial, US addressed loans - <$1MM 5,361 $286,310 $53,406
    Commercial & Industrial, US addressed loans - <$100k 4,087 $78,185 $19,130
    Commercial & Industrial, US addressed loans - $100-250k 750 $61,810 $82,413
    Commercial & Industrial, US addressed loans - $250k-1MM 524 $146,315 $279,227
    Farmland loans - <$1MM 292 $35,247 $120,709
    Farmland loans - <$100k 78 $3,311 $42,449
    Farmland loans - $100-250k 169 $20,377 $120,574
    Farmland loans - $250k-1MM 45 $11,559 $256,867
    Agriculture operations loans - <$1MM 710 $26,764 $37,696
    Agriculture operations loans - <$100k 613 $13,880 $22,643
    Agriculture operations loans - $100-250k 76 $7,724 $101,632
    Agriculture operations loans - $250k-1MM 21 $5,160 $245,714