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:

Mortgage Data

Bank Data

Review & Overview

Community Bank is a smaller bank specializing in Refi and Home Purchase loans. Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Scranton, Rochester, Syracuse, Jamestown, and Burlington among others. We have data for 50 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% 3/28/24
30 Year Conventional Purchase 6.75% 3/28/24
30 Year Conventional Refi 6.63% 3/28/24
30 Year Cash-out Refi 6.02% 3/28/24
30 Year FHA Purchase 7.13% 3/28/24
30 Year VA Purchase 6.39% 3/28/24
30 Year USDA Purchase 6.74% 3/28/24
15 Year Conventional Purchase 6.33% 3/28/24
15 Year Conventional Refi 6.20% 3/28/24
15 Year Cash-out Refi 6.20% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Community Bank Mortgage Calculator






Your Estimates

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

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

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


Originations

7,326

Origination Dollar Volume (All Markets)

$937,050,000

Employee count

2,153 Show all (19) 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 1,103 $135,075,000 $122,461 $696 3.13%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 755 $88,575,000 $117,318 $1,166 3.15%
ROCHESTER, NY (FHA|USDA|VA) 644 $69,560,000 $108,012 $563 3.06%
SYRACUSE, NY (FHA|USDA|VA) 567 $65,505,000 $115,529 $738 3.04%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 503 $50,155,000 $99,712 $420 3.23%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 152 $49,080,000 $322,895 $1,420 2.56%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 271 $48,815,000 $180,129 $631 3.07%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 330 $44,820,000 $135,818 $815 3.22%
Plattsburgh, NY (FHA|USDA|VA) 294 $40,830,000 $138,878 $970 3.13%
Ogdensburg-Massena, NY (FHA|USDA|VA) 414 $39,570,000 $95,580 $360 3.25%
UTICA-ROME, NY (FHA|USDA|VA) 288 $39,440,000 $136,944 $515 3.21%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 94 $34,660,000 $368,723 $1,254 3.06%
Olean, NY (FHA|USDA|VA) 330 $31,470,000 $95,364 $485 3.29%
Oneonta, NY (FHA|USDA|VA) 231 $29,705,000 $128,593 $899 3.20%
Corning, NY (FHA|USDA|VA) 248 $26,690,000 $107,621 $558 3.33%
Malone, NY (FHA|USDA|VA) 181 $24,875,000 $137,431 $888 3.09%
BINGHAMTON, NY (FHA|USDA|VA) 101 $10,035,000 $99,356 $426 3.40%
Gloversville, NY (FHA|USDA|VA) 60 $9,960,000 $166,000 $1,443 2.99%
Hudson, NY (FHA|USDA|VA) 38 $8,190,000 $215,526 $2,160 2.43%
ELMIRA, NY (FHA|USDA|VA) 69 $7,875,000 $114,130 $662 3.24%
Sayre, PA (FHA|USDA|VA) 65 $7,795,000 $119,923 $878 3.11%
Seneca Falls, NY (FHA|USDA|VA) 87 $7,755,000 $89,138 $188 3.08%
Rutland, VT (FHA|USDA|VA) 61 $7,125,000 $116,803 $959 2.59%
Auburn, NY (FHA|USDA|VA) 69 $6,755,000 $97,899 $344 3.06%
GLENS FALLS, NY (FHA|USDA|VA) 43 $5,945,000 $138,256 $1,198 3.21%
SPRINGFIELD, MA (FHA|USDA|VA) 22 $5,890,000 $267,727 $1,953 3.10%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 45 $4,405,000 $97,889 $901 3.07%
Lebanon, NH-VT (FHA|USDA|VA) 32 $4,360,000 $136,250 $1,123 2.83%
Bennington, VT (FHA|USDA|VA) 25 $3,985,000 $159,400 $1,884 3.03%
ITHACA, NY (FHA|USDA|VA) 36 $3,980,000 $110,556 $1,165 3.19%
Barre, VT (FHA|USDA|VA) 26 $3,970,000 $152,692 $1,497 2.25%
Amsterdam, NY (FHA|USDA|VA) 29 $3,865,000 $133,276 $837 3.40%
KINGSTON, NY (FHA|USDA|VA) 23 $3,825,000 $166,304 $1,649 2.83%
Pottsville, PA (FHA|USDA|VA) 22 $1,740,000 $79,091 $659 3.28%
Cortland, NY (FHA|USDA|VA) 11 $1,465,000 $133,182 $600 3.52%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,177 3.29%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $1,135,000 $227,000 $958 3.50%
READING, PA (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,967 3.29%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,686 1.56%
Bradford, PA (FHA|USDA|VA) 13 $985,000 $75,769 $566 3.24%
Batavia, NY (FHA|USDA|VA) 8 $780,000 $97,500 $33 2.67%
PITTSFIELD, MA (FHA|USDA|VA) 2 $620,000 $310,000 $1,092 2.69%
ERIE, PA (FHA|USDA|VA) 6 $600,000 $100,000 $652 3.58%
PITTSBURGH, PA (FHA|USDA|VA) 1 $455,000 $455,000 $0 3.49%
Keene, NH (FHA|USDA|VA) 2 $450,000 $225,000 $6,977 3.20%
Warren, PA (FHA|USDA|VA) 3 $355,000 $118,333 $592 3.08%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $315,000 $105,000 $1,021 3.21%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,883 2.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $150,000 $75,000 $0 1.88%
Oil City, PA (FHA|USDA|VA) 1 $115,000 $115,000 $135 3.63%
Community Bank's top markets include Scranton, Rochester, Syracuse, Jamestown, and Burlington among others.

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: 8
    Pittsford Federal Credit Union
    Similarity Rank: 52
    SECNY Federal Credit Union
    Similarity Rank: 57
    FIRST NEW YORK
    Similarity Rank: 63
    Bank of Richmondville
    Similarity Rank: 141
    CROSS VALLEY FEDERAL CREDIT UNION
    Similarity Rank: 159
    Northfield Savings Bank
    Similarity Rank: 160

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,750 $890,490,000 $131,924 $740 3.39%
    HELOC 565 $45,165,000 $79,938 n/a 0.02%
    USDA 11 $1,395,000 $126,818 $3,159 3.05%

    For 2021, Community Bank's most frequently originated type of loan was Conventional, with 6,750 originations. Their 2nd most popular type was HELOC, with 565 originations.

    Loan Reason

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

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

    Loan Duration/Length

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

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

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,954 $684,420,000 $114,951
    $1k-2k 283 $54,005,000 $190,830
    $2k-3k 101 $23,645,000 $234,109
    $3k-4k 37 $9,655,000 $260,946
    $5k+ 22 $8,320,000 $378,182
    $4k-5k 18 $4,960,000 $275,556

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

    Interest Rates

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

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

    Loan Sizing

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

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

    Applicant Income

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

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

    Applicant Debt to Income Ratio

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

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

    Ethnicity Mix

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

    Approval Rates

    Total approvals of all applications
    84.59%

    Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.40%

    Community Bank has an average pick rate.

    Points and Fees

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

    Occupancy Type Mix

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

    LTV Distribution

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

    Complaints

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

    Bank Details

    Branches

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

    For 2021, Community Bank had 232 branches.

    Yearly Performance Overview

    Bank Income

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

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

    Bank Expenses

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

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

    Loan Performance

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

    Deposits

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

    Assets

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

    Liabilities

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

    Issued Loan Types

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

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

    Small Business Loans

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