Community Bank Mortgage Rates, Fees & Info

Canton, NY

LEI: 5493005RDTT7HVODH436

Tax ID: 15-0436580

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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, Burlington, Syracuse, Jamestown, and Buffalo among others. We have data for 47 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    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






    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

    5,299

    Origination Dollar Volume (All Markets)

    $580,855,000

    Employee count

    2,219 Show all (15) 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 828 $82,610,000 $99,771 $370 4.31%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 492 $52,790,000 $107,297 $493 4.27%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 94 $52,670,000 $560,319 $324 3.12%
    SYRACUSE, NY (FHA|USDA|VA) 384 $40,830,000 $106,328 $475 4.16%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 438 $35,640,000 $81,370 $309 4.17%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 173 $34,015,000 $196,618 $439 4.08%
    ROCHESTER, NY (FHA|USDA|VA) 387 $31,135,000 $80,452 $272 3.95%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 275 $29,975,000 $109,000 $276 4.34%
    UTICA-ROME, NY (FHA|USDA|VA) 237 $27,255,000 $115,000 $239 4.42%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 319 $25,925,000 $81,270 $185 4.36%
    Plattsburgh, NY (FHA|USDA|VA) 215 $24,155,000 $112,349 $604 4.28%
    Oneonta, NY (FHA|USDA|VA) 162 $20,520,000 $126,667 $444 4.14%
    Olean, NY (FHA|USDA|VA) 244 $17,070,000 $69,959 $228 4.22%
    Corning, NY (FHA|USDA|VA) 189 $16,105,000 $85,212 $316 4.54%
    Malone, NY (FHA|USDA|VA) 144 $14,300,000 $99,306 $410 4.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 62 $12,790,000 $206,290 $1,118 4.53%
    BINGHAMTON, NY (FHA|USDA|VA) 67 $6,165,000 $92,015 $149 4.75%
    Rutland, VT (FHA|USDA|VA) 60 $6,120,000 $102,000 $268 3.76%
    Seneca Falls, NY (FHA|USDA|VA) 66 $5,990,000 $90,758 $163 4.59%
    Auburn, NY (FHA|USDA|VA) 58 $5,880,000 $101,379 $216 4.48%
    ELMIRA, NY (FHA|USDA|VA) 63 $5,085,000 $80,714 $345 3.98%
    Sayre, PA (FHA|USDA|VA) 41 $3,885,000 $94,756 $284 4.80%
    ITHACA, NY (FHA|USDA|VA) 31 $3,815,000 $123,065 $0 3.61%
    GLENS FALLS, NY (FHA|USDA|VA) 31 $2,725,000 $87,903 $376 4.25%
    Lebanon, NH-VT (FHA|USDA|VA) 28 $2,710,000 $96,786 $51 3.74%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 31 $2,275,000 $73,387 $290 4.11%
    Barre, VT (FHA|USDA|VA) 25 $2,205,000 $88,200 $8 2.44%
    Gloversville, NY (FHA|USDA|VA) 24 $2,180,000 $90,833 $1,128 3.93%
    SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,895,000 $270,714 $75 3.98%
    Bennington, VT (FHA|USDA|VA) 19 $1,745,000 $91,842 $313 4.26%
    KINGSTON, NY (FHA|USDA|VA) 9 $1,735,000 $192,778 $787 3.93%
    Warren, PA (FHA|USDA|VA) 12 $1,300,000 $108,333 $1,554 4.51%
    Amsterdam, NY (FHA|USDA|VA) 13 $1,045,000 $80,385 $1,073 4.38%
    Hudson, NY (FHA|USDA|VA) 8 $1,020,000 $127,500 $638 4.49%
    Bradford, PA (FHA|USDA|VA) 18 $980,000 $54,444 $36 4.49%
    Pottsville, PA (FHA|USDA|VA) 15 $975,000 $65,000 $566 4.47%
    Cortland, NY (FHA|USDA|VA) 8 $840,000 $105,000 $171 5.13%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $825,000 $275,000 $0 5.01%
    Batavia, NY (FHA|USDA|VA) 3 $335,000 $111,667 $0 5.17%
    Keene, NH (FHA|USDA|VA) 2 $260,000 $130,000 $10 2.25%
    ERIE, PA (FHA|USDA|VA) 3 $225,000 $75,000 $0 2.79%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $215,000 $43,000 $0 2.95%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.13%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $180,000 $90,000 $0 2.63%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.00%
    Meadville, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,781 4.88%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $55,000 $55,000 $75 6.00%
    Community Bank's top markets include Scranton, Burlington, Syracuse, Jamestown, and Buffalo among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Vermont (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • New Hampshire (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: 8
    NIAGARA'S CHOICE
    Similarity Rank: 12
    SECNY Federal Credit Union
    Similarity Rank: 32
    Pittsford Federal Credit Union
    Similarity Rank: 36
    BUFFALO METROPOLITAN FEDERAL CREDIT UNION
    Similarity Rank: 50
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 54
    Bank of Richmondville
    Similarity Rank: 54
    Northfield Savings Bank
    Similarity Rank: 60
    Adirondack Bank
    Similarity Rank: 63
    ONTARIO SHORES
    Similarity Rank: 90

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,688 $540,480,000 $115,290 $349 4.75%
    HELOC 594 $38,640,000 $65,051 n/a 0.03%
    USDA 17 $1,735,000 $102,059 $3,012 4.25%

    For 2019, Community Bank's most frequently originated type of loan was Conventional, with 4,688 originations. Their 2nd most popular type was HELOC, with 594 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,369 $316,955,000 $133,793 $565 4.75%
    Refi 1,541 $185,755,000 $120,542 $180 4.04%
    Home Improvement 938 $52,820,000 $56,311 $87 3.42%
    Other 451 $25,325,000 $56,153 $199 3.73%

    For 2019, Community Bank's most frequently cited loan purpose was Home Purchase, with 2,369 originations. The 2nd most popular reason was Refi, with 1,541 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,623 $288,365,000 $109,937 $487 3.78%
    15 Year 808 $66,730,000 $82,587 $363 4.62%
    20 Year 799 $69,965,000 $87,566 $217 4.79%
    10 Year 612 $89,880,000 $146,863 $109 4.62%
    5 Year 217 $6,855,000 $31,590 $28 4.33%
    Other 131 $37,475,000 $286,069 $316 4.59%
    30+ year 108 $21,570,000 $199,722 $919 4.92%
    3 Year 1 $15,000 $15,000 $0 4.75%

    For 2019, Community Bank's most frequently cited loan duration was 30 Year, with 2,623 originations. The 2nd most popular length was 15 Year, with 808 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,361 $420,505,000 $96,424
    $1k-2k 62 $12,070,000 $194,677
    $2k-3k 16 $3,590,000 $224,375
    $3k-4k 5 $1,315,000 $263,000
    $4k-5k 1 $165,000 $165,000
    $5k+ 1 $235,000 $235,000

    Community Bank's average total fees were $487, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,361 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,794 $302,500,000 $108,268
    5-6% 1,214 $115,130,000 $94,835
    3-4% 614 $117,560,000 $191,466
    <2.5% 592 $38,080,000 $64,324
    6-7% 52 $5,710,000 $109,808
    7-8% 27 $1,525,000 $56,481
    Over 8% 5 $275,000 $55,000

    During 2019, Community Bank's average interest rate for loans was 3.78%, while their most frequently originated rate bucket for loans was 4-5%, with 2,794 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,330 $179,270,000 $53,835 $166 4.09%
    $100k-200k 1,542 $209,430,000 $135,817 $489 4.47%
    $200k-400k 362 $93,640,000 $258,674 $1,231 4.31%
    $400k-600k 41 $19,545,000 $476,707 $2,097 4.21%
    $600k-1MM 13 $8,815,000 $678,077 $3,479 4.87%
    $1MM+ 11 $70,155,000 $6,377,727 $0 4.55%

    2019 saw Community Bank place emphasis on $100,000 or less loans with 3,330 originations, totaling $179,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,432 $117,090,000 $81,767 $303 4.34%
    $50k or less 1,393 $89,395,000 $64,174 $226 4.42%
    $75k-100k 911 $91,245,000 $100,159 $402 4.16%
    $100k-150k 904 $107,060,000 $118,429 $474 4.06%
    $150k-250k 311 $46,875,000 $150,723 $742 3.66%
    $250k+ 101 $24,625,000 $243,812 $1,588 3.50%

    Community Bank lent most frequently to those with incomes in the $50k-75k range, with 1,432 originations. The second most popular income band? $50k or less, with 1,393 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,294 $113,820,000 $87,960 $338 4.08%
    30-36% 1,144 $107,640,000 $94,091 $390 4.38%
    <20% 391 $28,905,000 $73,926 $405 3.47%
    42% 316 $30,360,000 $96,076 $293 4.43%
    41% 297 $28,715,000 $96,684 $389 4.37%
    39% 293 $27,745,000 $94,693 $266 4.38%
    40% 271 $26,505,000 $97,804 $322 4.36%
    38% 262 $24,310,000 $92,786 $305 4.43%
    36% 252 $23,570,000 $93,532 $343 4.20%
    37% 238 $23,010,000 $96,681 $345 4.53%
    43% 121 $13,745,000 $113,595 $405 4.22%
    44% 79 $10,055,000 $127,278 $286 4.10%
    45% 73 $8,405,000 $115,137 $470 4.16%
    46% 49 $6,495,000 $132,551 $611 4.02%
    47% 43 $5,155,000 $119,884 $375 3.94%
    48% 29 $4,235,000 $146,034 $888 4.32%
    49% 28 $4,010,000 $143,214 $885 3.35%
    50-60% 23 $2,855,000 $124,130 $206 3.32%
    >60% 7 $1,385,000 $197,857 $0 5.01%

    Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,294 originations. The next most common DTI ratio? 30-36%, with 1,144 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,078 $479,060,000 $94,340 $348 4.21%
    Not applicable 72 $85,010,000 $1,180,694 $0 4.98%
    Black 55 $5,605,000 $101,909 $327 4.84%
    Not provided 34 $4,910,000 $144,412 $1,487 4.19%
    Asian 38 $3,920,000 $103,158 $747 3.91%
    American Indian 15 $1,375,000 $91,667 $274 4.51%
    Asian Indian 3 $735,000 $245,000 $3,023 4.73%
    Native Hawaiian or Islander 3 $195,000 $65,000 $0 4.83%
    Korean 1 $45,000 $45,000 $0 5.25%

    Approval Rates

    Total approvals of all applications
    85.03%

    Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.04%

    Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,299 $580,855,000 $109,616

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $605,000 $605,000
    Multifamily:Site-Built 49 $82,345,000 $1,680,510
    Single Family (1-4 Units):Manufactured 426 $32,610,000 $76,549
    Single Family (1-4 Units):Site-Built 4,823 $465,295,000 $96,474

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 879 $65,035,000 $73,987 $100 3.57%
    40-60% 649 $58,385,000 $89,961 $328 3.87%
    60-80% 1,526 $232,830,000 $152,575 $460 4.56%
    80-100% 1,667 $203,725,000 $122,211 $459 4.76%
    Over 100% 1 $55,000 $55,000 $0 0.00%
    Under 20% 577 $20,825,000 $36,092 $41 3.16%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Closing on a mortgage 1 20.0%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 3 60.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Bank, National Association 1 Main Street Waddington, NY 13694 Full Service B&M $19,228
    Community Bank, National Association 25 Monkton Road Vergennes, VT 5491 Full Service B&M $22,920
    Community Bank, National Association 8036 Route 60 Cassadaga, NY 14718 Full Service B&M $30,153
    Community Bank, National Association 100 East First Street Oswego, NY 13126 Full Service B&M $89,041
    Community Bank, National Association 1 Clifton Springs Plaza Clifton Springs, NY 14432 Full Service B&M $11,166
    Community Bank, National Association 1 North Main Street Rushville, NY 14544 Full Service B&M $17,542
    Community Bank, National Association 1 West Fairmount Avenue Lakewood, NY 14750 Full Service B&M $35,773
    Community Bank, National Association 1 West Main Street Ripley, NY 14775 Full Service B&M $15,891
    Community Bank, National Association 10 Elm Street Malone, NY 12953 Full Service B&M $79,197
    Community Bank, National Association 100 Church Street Newark, NY 14513 Full Service B&M $35,245
    Community Bank, National Association 100 East Main Street Gouverneur, NY 13642 Full Service B&M $52,230
    Community Bank, National Association 101 East Main Street Milford, NY 13807 Full Service B&M $13,192
    Community Bank, National Association 101 Main Street Boonville, NY 13309 Full Service B&M $67,623
    Community Bank, National Association 101 Main Street Schenevus, NY 12155 Full Service B&M $28,443
    Community Bank, National Association 101 W Main Street Sherman, NY 14781 Full Service B&M $18,182
    Community Bank, National Association 1014 North Avenue Burlington, VT 5408 Full Service B&M $42,585
    Community Bank, National Association 103 Lower Main Street Johnson, VT 5656 Full Service B&M $29,036
    Community Bank, National Association 103 Main Street Salamanca, NY 14779 Full Service B&M $21,829
    Community Bank, National Association 1033 Maple Street, Suite 1 Little Meadows, PA 18830 Full Service B&M $14,471
    Community Bank, National Association 104 South Peterboro Street Canastota, NY 13032 Full Service B&M $44,491
    Community Bank, National Association 10490 Main Street North Collins, NY 14111 Full Service B&M $47,038
    Community Bank, National Association 105 Main Street Moravia, NY 13118 Full Service B&M $15,176
    Community Bank, National Association 108 North Washington Ave. Scranton, PA 18503 Full Service B&M $37,338
    Community Bank, National Association 1084 Main Street Fleischmanns, NY 12430 Full Service B&M $19,430
    Community Bank, National Association 109 South Main Street Naples, NY 14512 Full Service B&M $18,711
    Community Bank, National Association 11 Tuscarora Street Addison, NY 14801 Full Service B&M $22,603
    Community Bank, National Association 111 Church Street Hermon, NY 13652 Full Service B&M $9,815
    Community Bank, National Association 1125 Arsenal Street Watertown, NY 13601 Full Service B&M $76,867
    Community Bank, National Association 113 North Main Street Wellsville, NY 14895 Full Service B&M $57,275
    Community Bank, National Association 114 Main Street Bradford, VT 5033 Full Service B&M $30,348
    Community Bank, National Association 117 Montcalm Street Ticonderoga, NY 12883 Full Service B&M $21,844
    Community Bank, National Association 118 Main Street Whitehall, NY 12887 Full Service B&M $20,951
    Community Bank, National Association 1199 Main Street Long Lake, NY 12847 Full Service B&M $35,436
    Community Bank, National Association 12 West Ridge Street Lansford, PA 18232 Full Service B&M $15,255
    Community Bank, National Association 120 North First Street Lehighton, PA 18235 Full Service B&M $27,636
    Community Bank, National Association 121 Main Street Massena, NY 13662 Full Service B&M $39,360
    Community Bank, National Association 1213 North Church Street Hazle Township, PA 18202 Full Service B&M $63,186
    Community Bank, National Association 12188 Route 16 Yorkshire, NY 14173 Full Service B&M $30,506
    Community Bank, National Association 122 Main Street Randolph, NY 14772 Full Service B&M $25,174
    Community Bank, National Association 1230 Memorial Highway, Suite 1 Shavertown, PA 18708 Full Service B&M $35,919
    Community Bank, National Association 124 Delaware St Walton, NY 13856 Full Service B&M $27,581
    Community Bank, National Association 128 Lackawanna Ave. Olyphant, PA 18447 Full Service B&M $53,291
    Community Bank, National Association 1281 North Main Street Jamestown, NY 14701 Full Service B&M $19,908
    Community Bank, National Association 13 Park Square Franklinville, NY 14737 Full Service B&M $33,515
    Community Bank, National Association 1300 Wyoming Avenue Scranton, PA 18509 Full Service B&M $23,786
    Community Bank, National Association 1309 Williston Road South Burlington, VT 5403 Full Service B&M $47,246
    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 $29,617
    Community Bank, National Association 1334 Route 96 Phelps, NY 14532 Full Service B&M $23,066
    Community Bank, National Association 14216 State Street, P.O. Box 169 Harrisville, NY 13648 Full Service B&M $10,925
    Community Bank, National Association 14230 Nys Route 9 North Au Sable Forks, NY 12912 Full Service B&M $29,874
    Community Bank, National Association 1471 East State Road Olean, NY 14760 Full Service B&M $19,522
    Community Bank, National Association 15 West Street Bristol, VT 5443 Full Service B&M $34,008
    Community Bank, National Association 150 West Market Street Corning, NY 14830 Full Service B&M $45,739
    Community Bank, National Association 1500 Main Street Springfield, MA 1115 Full Service B&M $31,703
    Community Bank, National Association 151 Main Street Penn Yan, NY 14527 Full Service B&M $54,307
    Community Bank, National Association 15229 State Highway 30 Downsville, NY 13755 Full Service B&M $25,575
    Community Bank, National Association 210 Northside Drive Bennington, VT 5201 Full Service B&M $43,900
    Community Bank, National Association 1573 State Route 458, P.O. Box 308 Saint Regis Falls, NY 12980 Full Service B&M $57,848
    Community Bank, National Association 160 Brooks Rd. Rome, NY 13441 Full Service B&M $39,557
    Community Bank, National Association 1608 Main Street Woodhull, NY 14898 Full Service B&M $14,557
    Community Bank, National Association 16632 State Rte 706 Montrose, PA 18801 Full Service B&M $45,051
    Community Bank, National Association 1700 N. Keyser Avenue Scranton, PA 18508 Full Service B&M $71,567
    Community Bank, National Association 172 College Street Burlington, VT 5401 Full Service B&M $95,155
    Community Bank, National Association 178 East Main Street Chateaugay, NY 12920 Full Service B&M $32,946
    Community Bank, National Association 18 South Broad Street Norwich, NY 13815 Full Service B&M $12,153
    Community Bank, National Association 180 Swanton Road Saint Albans, VT 5478 Full Service B&M $17,569
    Community Bank, National Association 182 Main Street Oneida, NY 13421 Full Service B&M $80,124
    Community Bank, National Association 189 Main Street Dansville, NY 14437 Full Service B&M $59,202
    Community Bank, National Association 19 Union Street Sidney, NY 13838 Full Service B&M $34,627
    Community Bank, National Association 198 East Tioga Street Tunkhannock, PA 18657 Full Service B&M $58,542
    Community Bank, National Association 1982 East Main Street Falconer, NY 14733 Full Service B&M $26,245
    Community Bank, National Association 2 Chester Road, Suite 6 Springfield, VT 5156 Full Service B&M $39,040
    Community Bank, National Association 2 Foxcare Drive Oneonta, NY 13820 Full Service B&M $27,839
    Community Bank, National Association 2 West Main Street Waterloo, NY 13165 Full Service B&M $57,820
    Community Bank, National Association 200 East Buffalo Street Ithaca, NY 14850 Full Service B&M $5,387
    Community Bank, National Association 201 North Union Street Olean, NY 14760 Full Service B&M $260,213
    Community Bank, National Association 205 Main Street Brattleboro, VT 5301 Full Service B&M $22,931
    Community Bank, National Association 205 State Street Clayton, NY 13624 Full Service B&M $47,812
    Community Bank, National Association 205 Vermont Route 15 Jericho, VT 5465 Full Service B&M $51,155
    Community Bank, National Association 21 West Main Street Cuba, NY 14727 Full Service B&M $49,708
    Community Bank, National Association 210 Church Street Jessup, PA 18434 Full Service B&M $27,910
    Community Bank, National Association 216 Washington Street Watertown, NY 13601 Full Service B&M $136,709
    Community Bank, National Association 228 Central Avenue Silver Creek, NY 14136 Full Service B&M $31,722
    Community Bank, National Association 2297 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $41,898
    Community Bank, National Association 23 Commercial Street Livonia, NY 14487 Full Service B&M $36,649
    Community Bank, National Association 23 Riverside Drive Johnson City, NY 13790 Full Service B&M $26,928
    Community Bank, National Association 235 South Cascade Drive Springville, NY 14141 Full Service B&M $22,081
    Community Bank, National Association 24 North Buffalo Street Springville, NY 14141 Full Service B&M $43,587
    Community Bank, National Association 240 South Hamilton Street Painted Post, NY 14870 Full Service B&M $9,786
    Community Bank, National Association 244 Main Street North Creek, NY 12853 Full Service B&M $36,971
    Community Bank, National Association 245 Main Street Oneonta, NY 13820 Full Service B&M $116,730
    Community Bank, National Association 25 Consumer Square Plattsburgh, NY 12901 Full Service Retail $11,807
    Community Bank, National Association 25 Ralph Lehman Drive White River Junction, VT 5001 Full Service B&M $14,120
    Community Bank, National Association 25 South Main Street Jamestown, NY 14701 Full Service B&M $26,932
    Community Bank, National Association 25 Water Street Fort Covington, NY 12937 Full Service B&M $17,202
    Community Bank, National Association 2516 West Main Street Cato, NY 13033 Full Service B&M $29,570
    Community Bank, National Association 26 Ballard's Corner Road Hinesburg, VT 5461 Full Service B&M $46,844
    Community Bank, National Association 26 East Church Street Adams, NY 13605 Full Service B&M $33,315
    Community Bank, National Association 26 East Main Street Clifton Springs, NY 14432 Full Service B&M $44,626
    Community Bank, National Association 272 Lake Street Plaza Penn Yan, NY 14527 Full Service B&M $24,381
    Community Bank, National Association 275 Kennedy Drive South Burlington, VT 5403 Full Service B&M $75,874
    Community Bank, National Association 28 South Main Street Norwood, NY 13668 Full Service B&M $8,912
    Community Bank, National Association 28499 Route 3 Black River, NY 13612 Full Service B&M $31,891
    Community Bank, National Association 286 Route 7, South Rutland, VT 5701 Full Service B&M $45,476
    Community Bank, National Association 2930 Us Route 5 East Thetford, VT 5043 Full Service B&M $18,364
    Community Bank, National Association 3 Park Place Hammondsport, NY 14840 Full Service B&M $25,773
    Community Bank, National Association 30 South Church Street Hazleton, PA 18201 Full Service B&M $34,402
    Community Bank, National Association 300 West Water Street Elmira, NY 14901 Full Service B&M $47,264
    Community Bank, National Association 301 Route 2 South Hero, VT 5486 Full Service B&M $38,229
    Community Bank, National Association 304 Main Street Otego, NY 13825 Full Service B&M $20,411
    Community Bank, National Association 3074 Nys Route 417 Olean, NY 14760 Full Service B&M $32,355
    Community Bank, National Association 3102 State Route 28 Old Forge, NY 13420 Full Service B&M $53,224
    Community Bank, National Association 32-34 West Main Street Angelica, NY 14709 Full Service B&M $12,920
    Community Bank, National Association 320 Ford Street Ogdensburg, NY 13669 Full Service B&M $34,638
    Community Bank, National Association 320 West Main St Malone, NY 12953 Full Service B&M $48,645
    Community Bank, National Association 331 West Pulteney Street Corning, NY 14830 Full Service B&M $17,305
    Community Bank, National Association 343 Church Street Hannibal, NY 13074 Full Service B&M $31,814
    Community Bank, National Association 345 Central Avenue Dunkirk, NY 14048 Full Service B&M $56,451
    Community Bank, National Association 35 Broad Street Hamilton, NY 13346 Full Service B&M $58,559
    Community Bank, National Association 361 North Main Street Barre, VT 5641 Full Service B&M $43,234
    Community Bank, National Association 364 Main Street Winooski, VT 5404 Full Service B&M $56,622
    Community Bank, National Association 371 Main Street Enosburg Falls, VT 5450 Full Service B&M $29,619
    Community Bank, National Association 3748 County Route 14 Madrid, NY 13660 Full Service B&M $14,225
    Community Bank, National Association 380 Main Street Bolivar, NY 14715 Full Service B&M $15,283
    Community Bank, National Association 39 North Main Street Alfred, NY 14802 Full Service B&M $28,826
    Community Bank, National Association 3909 Vineyard Drive Dunkirk, NY 14048 Full Service B&M $50,985
    Community Bank, National Association 400 Airport Road Hazle Township, PA 18202 Full Service B&M $35,131
    Community Bank, National Association 400 Main Street Towanda, PA 18848 Full Service B&M $16,716
    Community Bank, National Association 401 North Franklin Street Watkins Glen, NY 14891 Full Service B&M $53,512
    Community Bank, National Association 406 Main Street Laceyville, PA 18623 Full Service B&M $40,864
    Community Bank, National Association 406 South Main Street Wilkes Barre, PA 18701 Full Service B&M $24,238
    Community Bank, National Association 4091 State Highway 3 Star Lake, NY 13690 Full Service B&M $20,418
    Community Bank, National Association 41 East River Road Nichols, NY 13812 Full Service B&M $26,285
    Community Bank, National Association 41 Harden Boulevard Camden, NY 13316 Full Service B&M $56,778
    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 $34,988
    Community Bank, National Association 4141 State Highway 28 Boiceville, NY 12412 Full Service B&M $27,662
    Community Bank, National Association 4196 Bolivar Road Wellsville, NY 14895 Full Service B&M $84,272
    Community Bank, National Association 4218 Lakeville Road Geneseo, NY 14454 Full Service B&M $34,753
    Community Bank, National Association 426 State Street Wyalusing, PA 18853 Full Service B&M $22,229
    Community Bank, National Association 434 Chestnut Street Oneonta, NY 13820 Full Service B&M $41,738
    Community Bank, National Association 44 West Main Street Fillmore, NY 14735 Full Service B&M $31,950
    Community Bank, National Association 45 South Main Street Pittston, PA 18640 Full Service B&M $23,978
    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 $29,391
    Community Bank, National Association 46 Broadway Saranac Lake, NY 12983 Full Service B&M $38,533
    Community Bank, National Association 46 Main Street Mount Morris, NY 14510 Full Service B&M $16,051
    Community Bank, National Association 4675 State Route 233 Westmoreland, NY 13490 Full Service B&M $25,139
    Community Bank, National Association 468 State Route 3 Plattsburgh, NY 12901 Full Service B&M $250,663
    Community Bank, National Association 48 Albany Street Cazenovia, NY 13035 Full Service B&M $86,924
    Community Bank, National Association 481 Portland Street Saint Johnsbury, VT 5819 Full Service B&M $21,805
    Community Bank, National Association 4837 State Highway 23 Norwich, NY 13815 Full Service B&M $11,837
    Community Bank, National Association 4854 North Jefferson Street Pulaski, NY 13142 Full Service B&M $35,331
    Community Bank, National Association 4987 State Highway 23 Oneonta, NY 13820 Full Service B&M $21,713
    Community Bank, National Association 4996 Main Street Manchester Center, VT 5255 Full Service B&M $33,425
    Community Bank, National Association 5 Clark Street Orchard Park, NY 14127 Full Service B&M $33,227
    Community Bank, National Association 5 Seneca Street Geneva, NY 14456 Full Service B&M $58,930
    Community Bank, National Association 50 Main Street Belfast, NY 14711 Full Service B&M $12,840
    Community Bank, National Association 50 West Main Street, Price Chopper Fairground Plaza Owego, NY 13827 Full Service B&M $12,424
    Community Bank, National Association 500 Davis Street Scranton, PA 18505 Full Service B&M $42,130
    Community Bank, National Association 500 Delaware Avenue Olean, NY 14760 Full Service B&M $15,414
    Community Bank, National Association 519 Genesee Street Chittenango, NY 13037 Full Service B&M $95,406
    Community Bank, National Association 5238 West Seneca Street Vernon, NY 13476 Full Service B&M $45,967
    Community Bank, National Association 525 East Main Street Palmyra, NY 14522 Full Service B&M $63,012
    Community Bank, National Association 535 Wyoming Avenue Kingston, PA 18704 Full Service B&M $71,031
    Community Bank, National Association 5378 State Highway 28 Cooperstown, NY 13326 Full Service B&M $23,500
    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 $37,741
    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 $240,689
    Community Bank, National Association 585 Main Street Oneida, NY 13421 Full Service B&M $33,548
    Community Bank, National Association 588 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $32,942
    Community Bank, National Association 5966-5968 State Route 31 Cicero, NY 13039 Full Service B&M $13,387
    Community Bank, National Association 62 Main Street Cooperstown, NY 13326 Full Service B&M $20,610
    Community Bank, National Association 620 Centre Street Freeland, PA 18224 Full Service B&M $36,763
    Community Bank, National Association 6321 Route 30 Indian Lake, NY 12842 Full Service B&M $23,747
    Community Bank, National Association 64 North Franklin Street Wilkes Barre, PA 18701 Full Service B&M $104,030
    Community Bank, National Association 64-70 Market Street Potsdam, NY 13676 Full Service B&M $81,591
    Community Bank, National Association 645 Washington Avenue Jermyn, PA 18433 Full Service B&M $55,860
    Community Bank, National Association 6453 Sr 309 , Monroe Township, PA 18657 Full Service B&M $17,497
    Community Bank, National Association 659 South Main Street Canandaigua, NY 14424 Full Service B&M $53,774
    Community Bank, National Association 67 Salem Avenue Carbondale, PA 18407 Full Service B&M $17,123
    Community Bank, National Association 68 Genesee Street Avon, NY 14414 Full Service B&M $52,926
    Community Bank, National Association 7 North Main Street Portville, NY 14770 Full Service B&M $12,929
    Community Bank, National Association 70 Depot Square Northfield, VT 5663 Full Service B&M $20,738
    Community Bank, National Association 70 East Main Street Westfield, NY 14787 Full Service B&M $55,851
    Community Bank, National Association 70 Falls Street Seneca Falls, NY 13148 Full Service B&M $24,126
    Community Bank, National Association 710 West Miller Street Newark, NY 14513 Full Service B&M $36,314
    Community Bank, National Association 7193 Main Street Ovid, NY 14521 Full Service B&M $30,446
    Community Bank, National Association 7279 Seneca Road North Hornell, NY 14843 Full Service B&M $21,882
    Community Bank, National Association 7395 Turin Road Lowville, NY 13367 Full Service B&M $47,175
    Community Bank, National Association 75 Park Street Tupper Lake, NY 12986 Full Service B&M $77,206
    Community Bank, National Association 750 East Main Street Cobleskill, NY 12043 Full Service B&M $21,490
    Community Bank, National Association 76 West Main Street Gowanda, NY 14070 Full Service B&M $108,891
    Community Bank, National Association 7605 N State Street Lowville, NY 13367 Full Service B&M $100,228
    Community Bank, National Association 78 South Wyoming Avenue Edwardsville, PA 18704 Full Service B&M $21,201
    Community Bank, National Association 78 State Street Heuvelton, NY 13654 Full Service B&M $24,159
    Community Bank, National Association 7812 Turin Road Rome, NY 13440 Full Service B&M $16,889
    Community Bank, National Association 8 Liberty Street Bath, NY 14810 Full Service B&M $32,990
    Community Bank, National Association 80 Main Street Canton, NY 13617 Full Service B&M $96,139
    Community Bank, National Association 811 Canandaigua Road Geneva, NY 14456 Full Service B&M $31,100
    Community Bank, National Association 8192 Sr 6, P.O. Box 40 Meshoppen, PA 18630 Full Service B&M $29,104
    Community Bank, National Association 825 State Street Ogdensburg, NY 13669 Full Service B&M $57,304
    Community Bank, National Association 830 County Road 64 Elmira, NY 14903 Full Service B&M $18,898
    Community Bank, National Association 8393 Main Street Interlaken, NY 14847 Full Service B&M $16,477
    Community Bank, National Association 84 Bridge Street Carthage, NY 13619 Full Service B&M $48,727
    Community Bank, National Association 84 Vermont Route 15-West Hardwick, VT 5843 Full Service B&M $42,392
    Community Bank, National Association 85 Sherwood Road Delhi, NY 13753 Full Service B&M $20,882
    Community Bank, National Association 864 State Route 11 Champlain, NY 12919 Full Service B&M $44,129
    Community Bank, National Association 8720 East Main Street Clymer, NY 14724 Full Service B&M $28,983
    Community Bank, National Association 9 Margaret St Plattsburgh, NY 12901 Full Service B&M $57,225
    Community Bank, National Association 901 Commerce Boulevard Dickson City, PA 18519 Full Service B&M $13,740
    Community Bank, National Association 92 Woodstock Avenue Rutland, VT 5701 Full Service B&M $23,690
    Community Bank, National Association 929 Shelburne Road South Burlington, VT 5403 Full Service B&M $62,290
    Community Bank, National Association 931 South State Street Clarks Summit, PA 18411 Full Service B&M $22,102
    Community Bank, National Association 942 Drinker Turnpike Covington Township, PA 18444 Full Service B&M $29,584
    Community Bank, National Association 97 East Main Street Wilmington, VT 5363 Full Service B&M $24,398
    Community Bank, National Association 97 Main Street Fair Haven, VT 5743 Full Service B&M $36,875
    Community Bank, National Association 9775 County Road 35 Houghton, NY 14744 Full Service B&M $8,805
    Community Bank, National Association 994 Waterbury Stowe Road Waterbury, VT 5676 Full Service B&M $23,043
    Community Bank, National Association One East Genesee Street Skaneateles, NY 13152 Full Service B&M $24,274
    Community Bank, National Association One South First Street Fulton, NY 13069 Full Service B&M $39,247
    Community Bank, National Association Www.Communitybankna.Com Canton, NY 13617 Limited, Administrative $0

    For 2019, Community Bank had 224 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $388,399
    Net interest income $365,347
    Total noninterest income $94,285
    Gross Fiduciary activities income $9,711
    Service charges on deposit accounts $39,987
    Trading account gains and fees $0
    Additional Noninterest Income $44,587
    Pre-tax net operating income $173,246
    Securities gains (or losses, -) $4,882
    Income before extraordinary items $142,689
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $142,689
    Minority interest net income $227
    Net income $142,462
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $138,783

    Community Bank's gross interest income from loans was $388,399,000.
    Community Bank's net interest income from loans was $365,347,000.
    Community Bank's fee based income from loans was $39,987,000.
    Community Bank's net income from loans was $142,462,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,052
    Provision for credit losses $10,452
    Total noninterest expense $275,934
    Salaries and employee benefits $157,174
    Premises and equipment expense $38,056
    Additional noninterest expense $80,704
    Applicable income taxes $35,439
    Net charge-offs $9,824
    Cash dividends $115,000

    Community Bank's interest expense for loans was $23,052,000.
    Community Bank's payroll and benefits expense were $157,174,000.
    Community Bank's property, plant and equipment expenses $38,056,000.

    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 $9,244,014
    Deposits held in domestic offices $9,244,014
    Deposits by Individuals, partnerships, and corporations $8,301,118
    Deposits by U.S. Government $7
    Deposits by States and political subdivisions in the U.S. $938,490
    Deposits by Commercial banks and other depository institutions in U.S. $4,399
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,303,130
    Demand deposits $717,433
    Nontransaction accounts $7,940,884
    Money market deposit accounts (MMDAs) $5,460,373
    Other savings deposits (excluding MMDAs) $1,538,203
    Total time deposits $942,308
    Total time and savings deposits $8,526,581
    Noninterest-bearing deposits $2,708,771
    Interest-bearing deposits $6,535,243
    Retail deposits $9,115,865
    IRAs and Keogh plan accounts $220,392
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $11,209,976
    Cash & Balances due from depository institutions $200,013
    Interest-bearing balances $41,246
    Total securities $3,044,428
    Federal funds sold & reverse repurchase $0
    Net loans and leases $6,840,631
    Loan and leases loss allowance $50,388
    Trading account assets $0
    Bank premises and fixed assets $141,713
    Other real estate owned $1,270
    Goodwill and other intangibles $693,640
    All other assets $288,281

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $11,209,976
    Total Liabilities $9,647,953
    Total deposits $9,244,014
    Interest-bearing deposits $6,535,243
    Deposits held in domestic offices $9,244,014
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $241,708
    Trading liabilities $0
    Other borrowed funds $39,011
    Subordinated debt $0
    All other liabilities $123,220

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $6,840,631
    Loan and leases loss allowance $50,388
    Total loans and leases (domestic) $6,891,019
    All real estate loans $4,815,768
    Real estate loans in domestic offices $4,815,768
    Construction and development loans $168,860
    Residential 1-4 family construction $20,345
    Other construction, all land development and other land $148,515
    Loans secured by nonfarm nonresidential properties $1,357,188
    Nonfarm nonresidential secured by owner-occupied properties $634,722
    Commercial real estate & other non-farm, non-residential $722,466
    Multifamily residential real estate $312,433
    1-4 family residential loans $2,918,364
    Farmland loans $58,923
    Loans held in foreign offices $0
    Farm loans $30,825
    Commercial and industrial loans $577,207
    To non-U.S. addressees $0
    Loans to individuals $1,297,899
    Credit card loans $0
    Related Plans $12,280
    Consumer Auto Loans $952,742
    Other loans to individuals $332,877
    All other loans & leases $169,320
    Loans to foreign governments and official institutions $0
    Other loans $79,286
    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 $1,509
    Restructured Loans & leases $2,859
    Non 1-4 family restructured loans & leases $972
    Total loans and leases (foreign) $0

    Community Bank had $6,840,631,000 of loans outstanding in 2019. $4,815,768,000 of loans were in real estate loans. $168,860,000 of loans were in development loans. $312,433,000 of loans were in multifamily mortgage loans. $2,918,364,000 of loans were in 1-4 family mortgage loans. $30,825,000 of loans were in farm loans. $0 of loans were in credit card loans. $952,742,000 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 2,212 $390,336 $176,463
    Nonfarm, nonresidential loans - <$100k 482 $20,238 $41,988
    Nonfarm, nonresidential loans - $100-250k 819 $84,730 $103,455
    Nonfarm, nonresidential loans - $250k-1MM 911 $285,368 $313,247
    Commercial & Industrial, US addressed loans - <$1MM 5,560 $295,452 $53,139
    Commercial & Industrial, US addressed loans - <$100k 4,158 $79,265 $19,063
    Commercial & Industrial, US addressed loans - $100-250k 835 $68,911 $82,528
    Commercial & Industrial, US addressed loans - $250k-1MM 567 $147,276 $259,746
    Farmland loans - <$1MM 305 $35,419 $116,128
    Farmland loans - <$100k 84 $3,314 $39,452
    Farmland loans - $100-250k 169 $19,430 $114,970
    Farmland loans - $250k-1MM 52 $12,675 $243,750
    Agriculture operations loans - <$1MM 668 $21,515 $32,208
    Agriculture operations loans - <$100k 580 $12,005 $20,698
    Agriculture operations loans - $100-250k 65 $5,302 $81,569
    Agriculture operations loans - $250k-1MM 23 $4,208 $182,957