Community Bank Mortgage Rates, Fees & Info
Canton, NYLEI: 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% | 12/16/24 |
| 30 Year Conventional Purchase | 6.75% | 12/16/24 |
| 30 Year Conventional Refi | 6.63% | 12/16/24 |
| 30 Year Cash-out Refi | 6.02% | 12/16/24 |
| 30 Year FHA Purchase | 7.13% | 12/16/24 |
| 30 Year VA Purchase | 6.39% | 12/16/24 |
| 30 Year USDA Purchase | 6.74% | 12/16/24 |
| 15 Year Conventional Purchase | 6.33% | 12/16/24 |
| 15 Year Conventional Refi | 6.20% | 12/16/24 |
| 15 Year Cash-out Refi | 6.20% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,563Origination Dollar Volume (All Markets)
$445,525,000Employee count
2,138Awards
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Community Bank - 2018
Community Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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% |
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
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FIRST HERITAGE FEDERAL CREDIT UNION
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Northfield Savings Bank
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SECNY Federal Credit Union
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Pittsford Federal Credit Union
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GREATER WOODLAWN FEDERAL CREDIT UNION
Similarity Rank: 48
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ONTARIO SHORES
Similarity Rank: 52
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The Bank of Greene County
Similarity Rank: 54
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Geddes Federal Savings and Loan Association
Similarity Rank: 60
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VERMONT STATE EMPLOYEES
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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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications85.72%
Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination90.36%
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
LTV Distribution
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 |