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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • 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: Rochester, Scranton, Syracuse, Utica, and Albany 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 a below 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

    5,529

    Origination Dollar Volume (All Markets)

    $738,315,000

    Employee count

    2,293 Show all (18) 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 867 $98,505,000 $113,616 $777 3.62%
    ROCHESTER, NY (FHA|USDA|VA) 436 $65,470,000 $150,161 $597 3.33%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 533 $59,065,000 $110,816 $1,407 3.39%
    SYRACUSE, NY (FHA|USDA|VA) 430 $53,670,000 $124,814 $1,011 3.57%
    UTICA-ROME, NY (FHA|USDA|VA) 265 $52,355,000 $197,566 $644 3.72%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 65 $49,735,000 $765,154 $1,155 3.56%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 413 $37,565,000 $90,956 $437 3.74%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 279 $34,685,000 $124,319 $744 3.55%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 305 $29,385,000 $96,344 $394 3.58%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 94 $27,290,000 $290,319 $1,353 2.80%
    Plattsburgh, NY (FHA|USDA|VA) 204 $26,650,000 $130,637 $872 3.67%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 171 $23,245,000 $135,936 $587 3.64%
    Corning, NY (FHA|USDA|VA) 231 $21,665,000 $93,788 $687 3.76%
    Olean, NY (FHA|USDA|VA) 238 $21,270,000 $89,370 $392 3.83%
    Oneonta, NY (FHA|USDA|VA) 170 $20,690,000 $121,706 $818 3.41%
    Malone, NY (FHA|USDA|VA) 140 $16,850,000 $120,357 $746 3.46%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $13,830,000 $3,457,500 $1,405 3.61%
    Seneca Falls, NY (FHA|USDA|VA) 80 $8,150,000 $101,875 $488 3.62%
    ELMIRA, NY (FHA|USDA|VA) 73 $7,075,000 $96,918 $590 3.65%
    BINGHAMTON, NY (FHA|USDA|VA) 68 $6,930,000 $101,912 $429 3.81%
    Sayre, PA (FHA|USDA|VA) 42 $6,860,000 $163,333 $679 4.10%
    Auburn, NY (FHA|USDA|VA) 60 $6,390,000 $106,500 $782 4.38%
    ITHACA, NY (FHA|USDA|VA) 28 $5,610,000 $200,357 $961 3.51%
    Hudson, NY (FHA|USDA|VA) 32 $4,540,000 $141,875 $1,014 2.67%
    Gloversville, NY (FHA|USDA|VA) 35 $4,275,000 $122,143 $1,301 3.65%
    Rutland, VT (FHA|USDA|VA) 41 $4,065,000 $99,146 $956 3.20%
    KINGSTON, NY (FHA|USDA|VA) 21 $3,985,000 $189,762 $1,502 2.90%
    GLENS FALLS, NY (FHA|USDA|VA) 23 $3,925,000 $170,652 $929 3.93%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 29 $3,845,000 $132,586 $1,540 3.60%
    SPRINGFIELD, MA (FHA|USDA|VA) 17 $3,785,000 $222,647 $2,642 3.60%
    Lebanon, NH-VT (FHA|USDA|VA) 27 $3,445,000 $127,593 $1,675 2.79%
    Barre, VT (FHA|USDA|VA) 24 $3,340,000 $139,167 $1,766 2.91%
    Amsterdam, NY (FHA|USDA|VA) 20 $1,880,000 $94,000 $878 3.03%
    Bennington, VT (FHA|USDA|VA) 14 $1,190,000 $85,000 $1,390 2.51%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,180,000 $295,000 $2,000 3.16%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,130,000 $282,500 $0 3.91%
    Keene, NH (FHA|USDA|VA) 2 $990,000 $495,000 $0 3.64%
    Bradford, PA (FHA|USDA|VA) 9 $715,000 $79,444 $363 3.99%
    Batavia, NY (FHA|USDA|VA) 5 $635,000 $127,000 $850 4.05%
    Pottsville, PA (FHA|USDA|VA) 13 $615,000 $47,308 $500 3.41%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $415,000 $138,333 $55 3.75%
    WILLIAMSPORT, PA (FHA|USDA|VA) 2 $360,000 $180,000 $4,574 3.19%
    Cortland, NY (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.44%
    Warren, PA (FHA|USDA|VA) 2 $260,000 $130,000 $3,244 3.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $205,000 $205,000 $375 4.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.00%
    ERIE, PA (FHA|USDA|VA) 2 $140,000 $70,000 $95 4.13%
    Community Bank's top markets include Rochester, Scranton, Syracuse, Utica, and Albany among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Vermont (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: 6
    FIRST NEW YORK
    Similarity Rank: 56
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 60
    Pittsford Federal Credit Union
    Similarity Rank: 70
    ONTARIO SHORES
    Similarity Rank: 111
    Bank of Akron
    Similarity Rank: 114
    Northfield Savings Bank
    Similarity Rank: 128
    RIVERSIDE
    Similarity Rank: 128
    SECNY Federal Credit Union
    Similarity Rank: 165
    Ulster Savings Bank
    Similarity Rank: 168

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,938 $695,090,000 $140,763 $771 3.96%
    HELOC 562 $40,130,000 $71,406 n/a 0.05%
    USDA 29 $3,095,000 $106,724 $3,127 3.35%

    For 2020, Community Bank's most frequently originated type of loan was Conventional, with 4,938 originations. Their 2nd most popular type was HELOC, with 562 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,267 $365,255,000 $161,118 $952 3.97%
    Refi 2,101 $299,105,000 $142,363 $724 3.48%
    Home Improvement 730 $39,960,000 $54,740 $160 2.84%
    Other 370 $23,810,000 $64,351 $303 3.07%
    Cash Out Refi 61 $10,185,000 $166,967 $3,728 2.95%

    For 2020, Community Bank's most frequently cited loan purpose was Home Purchase, with 2,267 originations. The 2nd most popular reason was Refi, with 2,101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,612 $315,610,000 $120,831 $1,027 3.14%
    15 Year 1,035 $107,225,000 $103,599 $753 3.80%
    20 Year 907 $96,415,000 $106,301 $588 4.05%
    10 Year 505 $116,555,000 $230,802 $303 3.97%
    Other 186 $66,210,000 $355,968 $833 3.95%
    5 Year 155 $11,505,000 $74,226 $25 3.79%
    30+ year 123 $24,375,000 $198,171 $1,082 4.41%
    3 Year 5 $135,000 $27,000 $0 3.95%
    1 Year 1 $285,000 $285,000 $0 4.00%

    For 2020, Community Bank's most frequently cited loan duration was 30 Year, with 2,612 originations. The 2nd most popular length was 15 Year, with 1,035 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,351 $466,655,000 $107,252
    $1k-2k 178 $33,550,000 $188,483
    $2k-3k 67 $13,875,000 $207,090
    $3k-4k 31 $6,875,000 $221,774
    $4k-5k 18 $4,740,000 $263,333
    $5k+ 15 $5,715,000 $381,000

    Community Bank's average total fees were $1,027, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,351 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,412 $395,620,000 $164,022
    4-5% 1,721 $191,175,000 $111,084
    <2.5% 605 $47,925,000 $79,215
    2.5-3% 513 $87,655,000 $170,867
    5-6% 230 $12,860,000 $55,913
    6-7% 24 $1,660,000 $69,167
    7-8% 20 $960,000 $48,000
    Over 8% 4 $460,000 $115,000

    During 2020, Community Bank's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 2,412 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,968 $169,340,000 $57,055 $315 3.55%
    $100k-200k 1,904 $260,660,000 $136,901 $1,007 3.57%
    $200k-400k 557 $145,375,000 $260,996 $2,018 3.62%
    $400k-600k 62 $29,100,000 $469,355 $3,592 3.42%
    $1MM+ 19 $120,615,000 $6,348,158 $0 3.45%
    $600k-1MM 19 $13,225,000 $696,053 $2,921 3.65%

    2020 saw Community Bank place emphasis on $100,000 or less loans with 2,968 originations, totaling $169,340,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,494 $140,020,000 $93,722 $660 3.71%
    $50k or less 1,278 $89,210,000 $69,804 $452 3.75%
    $75k-100k 973 $110,555,000 $113,623 $834 3.51%
    $100k-150k 932 $122,810,000 $131,770 $1,161 3.39%
    $150k-250k 401 $71,925,000 $179,364 $1,471 3.28%
    $250k+ 129 $31,705,000 $245,775 $2,248 2.77%

    Community Bank lent most frequently to those with incomes in the $50k-75k range, with 1,494 originations. The second most popular income band? $50k or less, with 1,278 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,281 $138,755,000 $108,318 $742 3.58%
    20-30% 1,279 $131,025,000 $102,443 $853 3.49%
    <20% 428 $42,040,000 $98,224 $989 3.08%
    41% 313 $36,105,000 $115,351 $640 3.77%
    42% 308 $34,110,000 $110,747 $653 3.90%
    40% 286 $31,940,000 $111,678 $618 3.74%
    39% 281 $29,735,000 $105,819 $596 3.78%
    38% 271 $29,725,000 $109,686 $718 3.69%
    37% 242 $27,170,000 $112,273 $739 3.51%
    36% 234 $25,500,000 $108,974 $909 3.43%
    43% 140 $17,330,000 $123,786 $925 3.75%
    44% 97 $12,825,000 $132,216 $1,028 3.61%
    45% 66 $9,010,000 $136,515 $1,127 3.29%
    46% 56 $6,860,000 $122,500 $849 2.81%
    47% 37 $4,825,000 $130,405 $835 3.15%
    48% 25 $4,315,000 $172,600 $1,377 3.41%
    50-60% 22 $3,240,000 $147,273 $568 3.45%
    49% 21 $2,695,000 $128,333 $1,077 3.58%
    >60% 14 $1,740,000 $124,286 $207 2.76%

    Community Bank lent most frequently to those with DTI ratios of 30-36%, with 1,281 originations. The next most common DTI ratio? 20-30%, with 1,279 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,187 $562,235,000 $108,393 $759 3.55%
    Not applicable 106 $144,700,000 $1,365,094 $0 4.09%
    Not provided 89 $16,365,000 $183,876 $1,559 3.35%
    Asian 70 $8,140,000 $116,286 $1,721 3.54%
    Black 58 $5,060,000 $87,241 $898 3.85%
    American Indian 11 $1,005,000 $91,364 $755 3.64%
    Asian Indian 3 $495,000 $165,000 $2,366 3.63%
    Native Hawaiian or Islander 2 $110,000 $55,000 $0 4.69%
    Guamanian 1 $75,000 $75,000 $0 0.00%
    Other Pacific Islander 1 $65,000 $65,000 $0 3.50%
    Filipino 1 $65,000 $65,000 $1,489 3.25%

    Approval Rates

    Total approvals of all applications
    83.89%

    Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    89.87%

    Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 5 $475,000 $95,000
    NA 5,524 $737,840,000 $133,570

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $7,845,000 $1,569,000
    Multifamily:Site-Built 78 $135,900,000 $1,742,308
    Single Family (1-4 Units):Manufactured 395 $32,035,000 $81,101
    Single Family (1-4 Units):Site-Built 5,051 $562,535,000 $111,371

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 751 $61,595,000 $82,017 $292 2.92%
    40-60% 781 $90,345,000 $115,679 $754 3.32%
    60-80% 1,797 $314,035,000 $174,755 $1,088 3.72%
    80-100% 1,720 $248,860,000 $144,686 $794 3.97%
    Over 100% 1 $95,000 $95,000 $0 4.50%
    Under 20% 478 $23,220,000 $48,577 $62 2.94%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    COMMUNITY BANK SYSTEM, INC. Other type of mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Bank, National Association 1 Clifton Springs Plaza Clifton Springs, NY 14432 Full Service B&M $13,373
    Community Bank, National Association 1 Hudson Street Kinderhook, NY 12106 Full Service B&M $63,881
    Community Bank, National Association 1 Main St Canisteo, NY 14823 Full Service B&M $10,230
    Community Bank, National Association 1 Main Street Waddington, NY 13694 Full Service B&M $13,032
    Community Bank, National Association 1 North Main Street Rushville, NY 14544 Full Service B&M $18,791
    Community Bank, National Association 1 West Fairmount Avenue Lakewood, NY 14750 Full Service B&M $49,691
    Community Bank, National Association 1 West Main Street Ripley, NY 14775 Full Service B&M $17,544
    Community Bank, National Association 10 Elm Street Malone, NY 12953 Full Service B&M $0
    Community Bank, National Association 100 Church Street Newark, NY 14513 Full Service B&M $41,194
    Community Bank, National Association 100 East First Street Oswego, NY 13126 Full Service B&M $80,876
    Community Bank, National Association 100 East Main Street Gouverneur, NY 13642 Full Service B&M $60,248
    Community Bank, National Association 101 East Main Street Milford, NY 13807 Full Service B&M $13,417
    Community Bank, National Association 101 Main Street Boonville, NY 13309 Full Service B&M $74,137
    Community Bank, National Association 101 Main Street Schenevus, NY 12155 Full Service B&M $28,036
    Community Bank, National Association 101 W Main Street Sherman, NY 14781 Full Service B&M $22,038
    Community Bank, National Association 1014 North Avenue Burlington, VT 5408 Full Service B&M $50,705
    Community Bank, National Association 103 Lower Main Street Johnson, VT 5656 Full Service B&M $30,841
    Community Bank, National Association 103 Main Street Salamanca, NY 14779 Full Service B&M $29,179
    Community Bank, National Association 1033 Maple Street, Suite 1 Little Meadows, PA 18830 Full Service B&M $15,356
    Community Bank, National Association 104 South Peterboro Street Canastota, NY 13032 Full Service B&M $49,415
    Community Bank, National Association 10490 Main Street North Collins, NY 14111 Full Service B&M $53,617
    Community Bank, National Association 105 Main Street Moravia, NY 13118 Full Service B&M $15,925
    Community Bank, National Association 108 North Washington Ave. Scranton, PA 18503 Full Service B&M $41,281
    Community Bank, National Association 1084 Main Street Fleischmanns, NY 12430 Full Service B&M $21,442
    Community Bank, National Association 109 South Main Street Naples, NY 14512 Full Service B&M $24,445
    Community Bank, National Association 11 Megan Drive Geneseo, NY 14454 Full Service B&M $0
    Community Bank, National Association 11 Schuyler Street Belmont, NY 14813 Full Service B&M $45,602
    Community Bank, National Association 11 Tuscarora Street Addison, NY 14801 Full Service B&M $24,554
    Community Bank, National Association 111 Church Street Hermon, NY 13652 Full Service B&M $10,915
    Community Bank, National Association 1125 Arsenal Street Watertown, NY 13601 Full Service B&M $90,623
    Community Bank, National Association 113 North Main Street Wellsville, NY 14895 Full Service B&M $78,767
    Community Bank, National Association 114 Main Street Bradford, VT 5033 Full Service B&M $32,471
    Community Bank, National Association 117 Montcalm Street Ticonderoga, NY 12883 Full Service B&M $24,130
    Community Bank, National Association 1199 Main Street Long Lake, NY 12847 Full Service B&M $34,622
    Community Bank, National Association 12 West Ridge Street Lansford, PA 18232 Full Service B&M $17,415
    Community Bank, National Association 120 North First Street Lehighton, PA 18235 Full Service B&M $35,281
    Community Bank, National Association 121 Main Street Massena, NY 13662 Full Service B&M $42,546
    Community Bank, National Association 12188 Route 16 Yorkshire, NY 14173 Full Service B&M $40,820
    Community Bank, National Association 122 Main Street Randolph, NY 14772 Full Service B&M $28,391
    Community Bank, National Association 1230 Memorial Highway, Suite 1 Shavertown, PA 18708 Full Service B&M $44,408
    Community Bank, National Association 124 Delaware St Walton, NY 13856 Full Service B&M $30,000
    Community Bank, National Association 128 Lackawanna Ave. Olyphant, PA 18447 Full Service B&M $56,025
    Community Bank, National Association 1281 North Main Street Jamestown, NY 14701 Full Service B&M $20,107
    Community Bank, National Association 13 Park Square Franklinville, NY 14737 Full Service B&M $38,510
    Community Bank, National Association 1300 Wyoming Avenue Scranton, PA 18509 Full Service B&M $29,047
    Community Bank, National Association 1309 Williston Road South Burlington, VT 5403 Full Service B&M $52,998
    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 $32,438
    Community Bank, National Association 1334 Route 96 Phelps, NY 14532 Full Service B&M $25,057
    Community Bank, National Association 14216 State Street, P.O. Box 169 Harrisville, NY 13648 Full Service B&M $11,209
    Community Bank, National Association 14230 Nys Route 9 North Au Sable Forks, NY 12912 Full Service B&M $37,315
    Community Bank, National Association 15 West Street Bristol, VT 5443 Full Service B&M $44,747
    Community Bank, National Association 201 Bath Plaza Bath, NY 14810 Full Service B&M $62,552
    Community Bank, National Association 150 West Market Street Corning, NY 14830 Full Service B&M $54,658
    Community Bank, National Association 1500 Main Street Springfield, MA 1115 Full Service B&M $46,150
    Community Bank, National Association 151 Main Street Penn Yan, NY 14527 Full Service B&M $59,816
    Community Bank, National Association 15229 State Highway 30 Downsville, NY 13755 Full Service B&M $23,391
    Community Bank, National Association 1573 State Route 458, P.O. Box 308 Saint Regis Falls, NY 12980 Full Service B&M $58,965
    Community Bank, National Association 160 Brooks Rd. Rome, NY 13441 Full Service B&M $48,416
    Community Bank, National Association 1608 Main Street Woodhull, NY 14898 Full Service B&M $17,920
    Community Bank, National Association 16632 State Rte 706 Montrose, PA 18801 Full Service B&M $48,150
    Community Bank, National Association 1700 N. Keyser Avenue Scranton, PA 18508 Full Service B&M $84,857
    Community Bank, National Association 172 College Street Burlington, VT 5401 Full Service B&M $107,893
    Community Bank, National Association 178 East Main Street Chateaugay, NY 12920 Full Service B&M $36,086
    Community Bank, National Association 18 South Broad Street Norwich, NY 13815 Full Service B&M $14,107
    Community Bank, National Association 180 Delaware Ave Delmar, NY 12054 Full Service B&M $44,042
    Community Bank, National Association 180 Swanton Road Saint Albans, VT 5478 Full Service B&M $18,957
    Community Bank, National Association 182 Main Street Oneida, NY 13421 Full Service B&M $89,255
    Community Bank, National Association 189 Main Street Dansville, NY 14437 Full Service B&M $66,448
    Community Bank, National Association 19 Union Street Sidney, NY 13838 Full Service B&M $37,032
    Community Bank, National Association 198 East Tioga Street Tunkhannock, PA 18657 Full Service B&M $71,587
    Community Bank, National Association 1982 East Main Street Falconer, NY 14733 Full Service B&M $31,455
    Community Bank, National Association 2 Chester Road, Suite 6 Springfield, VT 5156 Full Service B&M $42,046
    Community Bank, National Association 2 Foxcare Drive Oneonta, NY 13820 Full Service B&M $0
    Community Bank, National Association 2 West Main Street Waterloo, NY 13165 Full Service B&M $61,725
    Community Bank, National Association 20 Wildbriar Road Rochester, NY 14623 Full Service B&M $7,847
    Community Bank, National Association 200 East Buffalo Street Ithaca, NY 14850 Full Service B&M $5,240
    Community Bank, National Association 201 North Union Street Olean, NY 14760 Full Service B&M $383,303
    Community Bank, National Association 205 Main Street Brattleboro, VT 5301 Full Service B&M $24,488
    Community Bank, National Association 205 State Street Clayton, NY 13624 Full Service B&M $53,399
    Community Bank, National Association 205 Vermont Route 15 Jericho, VT 5465 Full Service B&M $55,544
    Community Bank, National Association 21 West Main Street Cuba, NY 14727 Full Service B&M $46,388
    Community Bank, National Association 210 Church Street Jessup, PA 18434 Full Service B&M $33,104
    Community Bank, National Association 210 Northside Drive Bennington, VT 5201 Full Service B&M $47,836
    Community Bank, National Association 211 Erie Boulevard Canajoharie, NY 13317 Full Service B&M $38,333
    Community Bank, National Association 216 Washington Street Watertown, NY 13601 Full Service B&M $192,509
    Community Bank, National Association 228 Central Avenue Silver Creek, NY 14136 Full Service B&M $36,311
    Community Bank, National Association 2297 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $48,123
    Community Bank, National Association 23 Commercial Street Livonia, NY 14487 Full Service B&M $43,388
    Community Bank, National Association 23 Riverside Drive Johnson City, NY 13790 Full Service B&M $40,912
    Community Bank, National Association 235 South Cascade Drive Springville, NY 14141 Full Service B&M $28,529
    Community Bank, National Association 24 North Buffalo Street Springville, NY 14141 Full Service B&M $61,853
    Community Bank, National Association 240 South Hamilton Street Painted Post, NY 14870 Full Service B&M $11,813
    Community Bank, National Association 244 Main Street North Creek, NY 12853 Full Service B&M $40,364
    Community Bank, National Association 245 Main Street Oneonta, NY 13820 Full Service B&M $160,746
    Community Bank, National Association 2490 North Main Street Warsaw, NY 14569 Full Service B&M $24,017
    Community Bank, National Association 25 Consumer Square Plattsburgh, NY 12901 Full Service Retail $13,951
    Community Bank, National Association 25 Monkton Road Vergennes, VT 5491 Full Service B&M $28,183
    Community Bank, National Association 25 Ralph Lehman Drive White River Junction, VT 5001 Full Service B&M $16,184
    Community Bank, National Association 25 South Main Street Jamestown, NY 14701 Full Service B&M $26,928
    Community Bank, National Association 25 Water Street Fort Covington, NY 12937 Full Service B&M $21,771
    Community Bank, National Association 2516 West Main Street Cato, NY 13033 Full Service B&M $34,437
    Community Bank, National Association 44 West Main Street Fillmore, NY 14735 Full Service B&M $43,476
    Community Bank, National Association 26 Ballard's Corner Road Hinesburg, VT 5461 Full Service B&M $51,729
    Community Bank, National Association 26 East Church Street Adams, NY 13605 Full Service B&M $39,866
    Community Bank, National Association 26 East Main Street Clifton Springs, NY 14432 Full Service B&M $45,824
    Community Bank, National Association 272 Lake Street Plaza Penn Yan, NY 14527 Full Service B&M $29,721
    Community Bank, National Association 275 Kennedy Drive South Burlington, VT 5403 Full Service B&M $96,623
    Community Bank, National Association 28 South Main Street Norwood, NY 13668 Full Service B&M $10,411
    Community Bank, National Association 28499 Route 3 Black River, NY 13612 Full Service B&M $40,226
    Community Bank, National Association 286 Route 7, South Rutland, VT 5701 Full Service B&M $58,467
    Community Bank, National Association 29 Main Street Arkport, NY 14807 Full Service B&M $25,425
    Community Bank, National Association 2930 Us Route 5 East Thetford, VT 5043 Full Service B&M $21,241
    Community Bank, National Association 3 Park Place Hammondsport, NY 14840 Full Service B&M $26,705
    Community Bank, National Association 30 South Church Street Hazleton, PA 18201 Full Service B&M $105,577
    Community Bank, National Association 300 West Water Street Elmira, NY 14901 Full Service B&M $53,055
    Community Bank, National Association 301 Route 2 South Hero, VT 5486 Full Service B&M $46,151
    Community Bank, National Association 304 Main Street Otego, NY 13825 Full Service B&M $20,811
    Community Bank, National Association 3074 Nys Route 417 Olean, NY 14760 Full Service B&M $37,074
    Community Bank, National Association 3102 State Route 28 Old Forge, NY 13420 Full Service B&M $62,676
    Community Bank, National Association 311 North Comrie Ave. Johnstown, NY 12095 Full Service B&M $57,261
    Community Bank, National Association 319 Main Street Bolivar, NY 14715 Full Service B&M $0
    Community Bank, National Association 32-34 West Main Street Angelica, NY 14709 Full Service B&M $14,416
    Community Bank, National Association 320 Ford Street Ogdensburg, NY 13669 Full Service B&M $36,456
    Community Bank, National Association 320 West Main St Malone, NY 12953 Full Service B&M $157,845
    Community Bank, National Association 331 West Pulteney Street Corning, NY 14830 Full Service B&M $19,037
    Community Bank, National Association 343 Church Street Hannibal, NY 13074 Full Service B&M $35,415
    Community Bank, National Association 345 Central Avenue Dunkirk, NY 14048 Full Service B&M $55,472
    Community Bank, National Association 35 Broad Street Hamilton, NY 13346 Full Service B&M $63,811
    Community Bank, National Association 361 North Main Street Barre, VT 5641 Full Service B&M $46,305
    Community Bank, National Association 364 Main Street Winooski, VT 5404 Full Service B&M $68,014
    Community Bank, National Association 37 Main Street Canaseraga, NY 14822 Full Service B&M $11,207
    Community Bank, National Association 371 Main Street Enosburg Falls, VT 5450 Full Service B&M $30,528
    Community Bank, National Association 3748 County Route 14 Madrid, NY 13660 Full Service B&M $16,450
    Community Bank, National Association 38 South Main Street Andover, NY 14806 Full Service B&M $16,142
    Community Bank, National Association 380 Main Street Bolivar, NY 14715 Full Service B&M $30,373
    Community Bank, National Association 39 North Main Street Alfred, NY 14802 Full Service B&M $62,222
    Community Bank, National Association 39 North Pearl Street Albany, NY 12207 Full Service B&M $11,004
    Community Bank, National Association 3909 Vineyard Drive Dunkirk, NY 14048 Full Service B&M $60,981
    Community Bank, National Association 400 Airport Road Hazle Township, PA 18202 Full Service B&M $41,638
    Community Bank, National Association 400 Main Street Towanda, PA 18848 Full Service B&M $22,061
    Community Bank, National Association 401 North Franklin Street Watkins Glen, NY 14891 Full Service B&M $55,195
    Community Bank, National Association 406 Main Street Laceyville, PA 18623 Full Service B&M $45,030
    Community Bank, National Association 406 South Main Street Wilkes Barre, PA 18701 Full Service B&M $28,354
    Community Bank, National Association 4091 State Highway 3 Star Lake, NY 13690 Full Service B&M $27,841
    Community Bank, National Association 41 East River Road Nichols, NY 13812 Full Service B&M $30,689
    Community Bank, National Association 41 Harden Boulevard Camden, NY 13316 Full Service B&M $63,447
    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 $40,044
    Community Bank, National Association 4141 State Highway 28 Boiceville, NY 12412 Full Service B&M $30,564
    Community Bank, National Association 4196 Bolivar Road Wellsville, NY 14895 Full Service B&M $80,338
    Community Bank, National Association 4218 Lakeville Road Geneseo, NY 14454 Full Service B&M $57,065
    Community Bank, National Association 426 State Street Wyalusing, PA 18853 Full Service B&M $25,493
    Community Bank, National Association 434 Chestnut Street Oneonta, NY 13820 Full Service B&M $48,351
    Community Bank, National Association 45 South Main Street Pittston, PA 18640 Full Service B&M $26,023
    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 $35,277
    Community Bank, National Association 46 Broadway Saranac Lake, NY 12983 Full Service B&M $44,090
    Community Bank, National Association 46 Main Street Mount Morris, NY 14510 Full Service B&M $18,442
    Community Bank, National Association 4675 State Route 233 Westmoreland, NY 13490 Full Service B&M $27,841
    Community Bank, National Association 468 State Route 3 Plattsburgh, NY 12901 Full Service B&M $260,900
    Community Bank, National Association 475 North Highland Avenue Wellsville, NY 14895 Full Service B&M $130,674
    Community Bank, National Association 4781 State Highway 30 Amsterdam, NY 12010 Full Service B&M $27,672
    Community Bank, National Association 48 Albany Street Cazenovia, NY 13035 Full Service B&M $97,477
    Community Bank, National Association 481 Portland Street Saint Johnsbury, VT 5819 Full Service B&M $23,472
    Community Bank, National Association 4837 State Highway 23 Norwich, NY 13815 Full Service B&M $11,794
    Community Bank, National Association 6321 Route 30 Indian Lake, NY 12842 Full Service B&M $26,042
    Community Bank, National Association 4854 North Jefferson Street Pulaski, NY 13142 Full Service B&M $39,184
    Community Bank, National Association 4987 State Highway 23 Oneonta, NY 13820 Full Service B&M $25,396
    Community Bank, National Association 4996 Main Street Manchester Center, VT 5255 Full Service B&M $38,172
    Community Bank, National Association 5 Clark Street Orchard Park, NY 14127 Full Service B&M $48,758
    Community Bank, National Association 5 Seneca Street Geneva, NY 14456 Full Service B&M $64,042
    Community Bank, National Association 50 Main Street Belfast, NY 14711 Full Service B&M $13,664
    Community Bank, National Association 50 West Main Street, Price Chopper Fairground Plaza Owego, NY 13827 Full Service B&M $13,160
    Community Bank, National Association 500 Davis Street Scranton, PA 18505 Full Service B&M $45,400
    Community Bank, National Association 500 Delaware Avenue Olean, NY 14760 Full Service B&M $21,176
    Community Bank, National Association 519 Genesee Street Chittenango, NY 13037 Full Service B&M $105,826
    Community Bank, National Association 5238 West Seneca Street Vernon, NY 13476 Full Service B&M $49,757
    Community Bank, National Association 525 East Main Street Palmyra, NY 14522 Full Service B&M $75,751
    Community Bank, National Association 535 Wyoming Avenue Kingston, PA 18704 Full Service B&M $75,711
    Community Bank, National Association 5378 State Highway 28 Cooperstown, NY 13326 Full Service B&M $27,761
    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 $49,344
    Community Bank, National Association 567 Columbia Turnpike East Greenbush, NY 12061 Full Service B&M $60,304
    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 $292,112
    Community Bank, National Association 585 Main Street Oneida, NY 13421 Full Service B&M $36,626
    Community Bank, National Association 588 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $39,413
    Community Bank, National Association 5966-5968 State Route 31 Cicero, NY 13039 Full Service B&M $20,563
    Community Bank, National Association 62 Main Street Cooperstown, NY 13326 Full Service B&M $21,222
    Community Bank, National Association 620 Centre Street Freeland, PA 18224 Full Service B&M $41,412
    Community Bank, National Association 64 North Franklin Street Wilkes Barre, PA 18701 Full Service B&M $114,495
    Community Bank, National Association 64-70 Market Street Potsdam, NY 13676 Full Service B&M $92,273
    Community Bank, National Association 645 Washington Avenue Jermyn, PA 18433 Full Service B&M $59,170
    Community Bank, National Association 6453 Sr 309 , Monroe Township, PA 18657 Full Service B&M $18,715
    Community Bank, National Association 659 South Main Street Canandaigua, NY 14424 Full Service B&M $66,046
    Community Bank, National Association 67 Salem Avenue Carbondale, PA 18407 Full Service B&M $19,076
    Community Bank, National Association 68 Genesee Street Avon, NY 14414 Full Service B&M $56,784
    Community Bank, National Association 7 North Main Street Portville, NY 14770 Full Service B&M $36,572
    Community Bank, National Association 70 Depot Square Northfield, VT 5663 Full Service B&M $22,417
    Community Bank, National Association 70 East Main Street Westfield, NY 14787 Full Service B&M $64,701
    Community Bank, National Association 70 Falls Street Seneca Falls, NY 13148 Full Service B&M $28,704
    Community Bank, National Association 710 West Miller Street Newark, NY 14513 Full Service B&M $38,962
    Community Bank, National Association 7193 Main Street Ovid, NY 14521 Full Service B&M $32,256
    Community Bank, National Association 7279 Seneca Road North Hornell, NY 14843 Full Service B&M $27,277
    Community Bank, National Association 7395 Turin Road Lowville, NY 13367 Full Service B&M $56,729
    Community Bank, National Association 75 Park Street Tupper Lake, NY 12986 Full Service B&M $81,947
    Community Bank, National Association 750 East Main Street Cobleskill, NY 12043 Full Service B&M $22,916
    Community Bank, National Association 76 West Main Street Gowanda, NY 14070 Full Service B&M $122,647
    Community Bank, National Association 7605 N State Street Lowville, NY 13367 Full Service B&M $120,560
    Community Bank, National Association 78 South Wyoming Avenue Edwardsville, PA 18704 Full Service B&M $25,359
    Community Bank, National Association 78 State Street Heuvelton, NY 13654 Full Service B&M $25,035
    Community Bank, National Association 7812 Turin Road Rome, NY 13440 Full Service B&M $19,641
    Community Bank, National Association 782 Troy Schenectady Road Latham, NY 12110 Full Service B&M $28,232
    Community Bank, National Association 8 Liberty Street Bath, NY 14810 Full Service B&M $38,513
    Community Bank, National Association 80 Main Street Canton, NY 13617 Full Service B&M $138,175
    Community Bank, National Association 8036 Route 60 Cassadaga, NY 14718 Full Service B&M $32,604
    Community Bank, National Association 811 Canandaigua Road Geneva, NY 14456 Full Service B&M $35,730
    Community Bank, National Association 8192 Sr 6, P.O. Box 40 Meshoppen, PA 18630 Full Service B&M $33,585
    Community Bank, National Association 825 State Street Ogdensburg, NY 13669 Full Service B&M $67,090
    Community Bank, National Association 830 County Road 64 Elmira, NY 14903 Full Service B&M $24,833
    Community Bank, National Association 8393 Main Street Interlaken, NY 14847 Full Service B&M $19,947
    Community Bank, National Association 84 Bridge Street Carthage, NY 13619 Full Service B&M $58,103
    Community Bank, National Association 84 Vermont Route 15-West Hardwick, VT 5843 Full Service B&M $47,844
    Community Bank, National Association 85 Sherwood Road Delhi, NY 13753 Full Service B&M $26,325
    Community Bank, National Association 8503 Main Street Williamsville, NY 14221 Full Service B&M $3,211
    Community Bank, National Association 864 State Route 11 Champlain, NY 12919 Full Service B&M $49,622
    Community Bank, National Association 8720 East Main Street Clymer, NY 14724 Full Service B&M $31,830
    Community Bank, National Association 9 Margaret St Plattsburgh, NY 12901 Full Service B&M $65,511
    Community Bank, National Association 901 Commerce Boulevard Dickson City, PA 18519 Full Service B&M $15,961
    Community Bank, National Association 92 Main Street Whitehall, NY 12887 Full Service B&M $23,019
    Community Bank, National Association 92 Woodstock Avenue Rutland, VT 5701 Full Service B&M $27,524
    Community Bank, National Association 928 State Highway Route 244 Alfred, NY 14802 Full Service B&M $0
    Community Bank, National Association 929 Shelburne Road South Burlington, VT 5403 Full Service B&M $70,436
    Community Bank, National Association 931 South State Street Clarks Summit, PA 18411 Full Service B&M $28,420
    Community Bank, National Association 942 Drinker Turnpike Covington Township, PA 18444 Full Service B&M $32,190
    Community Bank, National Association 96 Union Turnpike Hudson, NY 12534 Full Service B&M $62,237
    Community Bank, National Association 97 East Main Street Wilmington, VT 5363 Full Service B&M $26,624
    Community Bank, National Association 97 Main Street Fair Haven, VT 5743 Full Service B&M $40,660
    Community Bank, National Association 994 Waterbury Stowe Road Waterbury, VT 5676 Full Service B&M $25,306
    Community Bank, National Association Main Street And Hudson Avenue And Park Row Chatham, NY 12037 Full Service B&M $81,394
    Community Bank, National Association One East Genesee Street Skaneateles, NY 13152 Full Service B&M $49,951
    Community Bank, National Association One South First Street Fulton, NY 13069 Full Service B&M $48,772
    Community Bank, National Association One Steuben Square Hornell, NY 14843 Full Service B&M $111,244
    Community Bank, National Association Route 9 Valatie, NY 12184 Full Service B&M $58,509
    Community Bank, National Association Www.Communitybankna.Com Canton, NY 13617 Limited, Administrative $0

    For 2020, Community Bank had 246 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $391,307
    Net interest income $371,920
    Total noninterest income $98,942
    Gross Fiduciary activities income $10,719
    Service charges on deposit accounts $29,979
    Trading account gains and fees $0
    Additional Noninterest Income $58,244
    Pre-tax net operating income $172,143
    Securities gains (or losses, -) $0
    Income before extraordinary items $136,900
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $136,900
    Minority interest net income $220
    Net income $136,680
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $136,900

    Community Bank's gross interest income from loans was $391,307,000.
    Community Bank's net interest income from loans was $371,920,000.
    Community Bank's fee based income from loans was $29,979,000.
    Community Bank's net income from loans was $136,680,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,387
    Provision for credit losses $15,206
    Total noninterest expense $283,513
    Salaries and employee benefits $163,017
    Premises and equipment expense $39,669
    Additional noninterest expense $80,827
    Applicable income taxes $35,243
    Net charge-offs $6,387
    Cash dividends $105,000

    Community Bank's interest expense for loans was $19,387,000.
    Community Bank's payroll and benefits expense were $163,017,000.
    Community Bank's property, plant and equipment expenses $39,669,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 9.0%
    Nonfarm, nonresidential loans 2.0%
    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 $11,507,372
    Deposits held in domestic offices $11,507,372
    Deposits by Individuals, partnerships, and corporations $10,306,461
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,196,867
    Deposits by Commercial banks and other depository institutions in U.S. $4,044
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $6,514,674
    Demand deposits $3,638,641
    Nontransaction accounts $4,992,698
    Money market deposit accounts (MMDAs) $2,103,046
    Other savings deposits (excluding MMDAs) $1,949,517
    Total time deposits $940,134
    Total time and savings deposits $7,868,731
    Noninterest-bearing deposits $3,637,802
    Interest-bearing deposits $7,869,570
    Retail deposits $11,337,729
    IRAs and Keogh plan accounts $222,588
    Brokered deposits $1,775
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $13,738,328
    Cash & Balances due from depository institutions $1,640,528
    Interest-bearing balances $1,464,216
    Total securities $3,544,759
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,356,705
    Loan and leases loss allowance $61,233
    Trading account assets $0
    Bank premises and fixed assets $147,342
    Other real estate owned $883
    Goodwill and other intangibles $711,466
    All other assets $336,645

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $13,738,327
    Total Liabilities $11,971,317
    Total deposits $11,507,372
    Interest-bearing deposits $7,869,570
    Deposits held in domestic offices $11,507,372
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $284,008
    Trading liabilities $0
    Other borrowed funds $6,669
    Subordinated debt $0
    All other liabilities $173,268

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,356,705
    Loan and leases loss allowance $61,233
    Total loans and leases (domestic) $7,417,938
    All real estate loans $5,059,550
    Real estate loans in domestic offices $5,059,550
    Construction and development loans $149,568
    Residential 1-4 family construction $21,114
    Other construction, all land development and other land $128,454
    Loans secured by nonfarm nonresidential properties $1,547,305
    Nonfarm nonresidential secured by owner-occupied properties $635,510
    Commercial real estate & other non-farm, non-residential $911,795
    Multifamily residential real estate $372,227
    1-4 family residential loans $2,919,422
    Farmland loans $71,028
    Loans held in foreign offices $0
    Farm loans $42,848
    Commercial and industrial loans $952,094
    To non-U.S. addressees $2,545
    Loans to individuals $1,177,583
    Credit card loans $0
    Related Plans $8,485
    Consumer Auto Loans $864,440
    Other loans to individuals $304,658
    All other loans & leases $185,863
    Loans to foreign governments and official institutions $0
    Other loans $92,369
    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 $1,928
    Restructured Loans & leases $3,461
    Non 1-4 family restructured loans & leases $1,015
    Total loans and leases (foreign) $0

    Community Bank had $7,356,705,000 of loans outstanding in 2020. $5,059,550,000 of loans were in real estate loans. $149,568,000 of loans were in development loans. $372,227,000 of loans were in multifamily mortgage loans. $2,919,422,000 of loans were in 1-4 family mortgage loans. $42,848,000 of loans were in farm loans. $0 of loans were in credit card loans. $864,440,000 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 2,274 $406,022 $178,550
    Nonfarm, nonresidential loans - <$100k 532 $21,394 $40,214
    Nonfarm, nonresidential loans - $100-250k 810 $82,027 $101,268
    Nonfarm, nonresidential loans - $250k-1MM 932 $302,601 $324,679
    Commercial & Industrial, US addressed loans - <$1MM 8,266 $549,776 $66,511
    Commercial & Industrial, US addressed loans - <$100k 6,073 $152,813 $25,163
    Commercial & Industrial, US addressed loans - $100-250k 1,325 $140,116 $105,748
    Commercial & Industrial, US addressed loans - $250k-1MM 868 $256,847 $295,907
    Farmland loans - <$1MM 404 $44,438 $109,995
    Farmland loans - <$100k 130 $4,605 $35,423
    Farmland loans - $100-250k 203 $23,142 $114,000
    Farmland loans - $250k-1MM 71 $16,691 $235,085
    Agriculture operations loans - <$1MM 786 $32,184 $40,947
    Agriculture operations loans - <$100k 640 $13,524 $21,131
    Agriculture operations loans - $100-250k 106 $10,675 $100,708
    Agriculture operations loans - $250k-1MM 40 $7,985 $199,625