Community Financial System, Inc. CBU
Latest 10-Q
What changed in Community Financial System, Inc.'s latest quarterly report, compared with the one before.
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Insider trades
Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.
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13F holders
Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.
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Trades by members of Congress
Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.
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Executive-branch trades
5 tradesTrades in Community Financial System, Inc. reported by the President, Cabinet members and other senior executive-branch officials. Amounts are ranges.Form 278-T is the periodic transaction report that senior executive-branch officials file with the Office of Government Ethics. They must report each trade over $1,000 within 30 days of being notified of it, and no later than 45 days after the trade. Amounts are ranges, not exact figures.
| The form has no ticker column. The asset is shown as the filer wrote it. We add a ticker link only when we could match the asset to a listed company. | The form asks for a range, such as $1,001 - $15,000, not an exact amount. A line can be left blank when the filer's note says the amount was not more than $1,000. | Report | ||||
|---|---|---|---|---|---|---|
| Donald J Trump President of the United States | COMMUNITY FINL SYS INC read from scan | Sale | Jul 29, 2026 | $15,001 - $50,000 | Sep 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | COMMUNITY FINL SYS INC read from scan | Sale | May 15, 2026 | $1,001 - $15,000 | Jun 25, 2026 | White House report ↗ |
| Donald J Trump President of the United States | COMMUNITY FINL SYS INC read from scan | Sale | Apr 30, 2026 | $15,001 - $50,000 | Jun 25, 2026 | White House report ↗ |
| Donald J Trump President of the United States | COMMUNITY FINL SYS INC read from scan | Purchase | Mar 30, 2026 | $15,001 - $50,000 | May 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | COMMUNITY FINL SYS INC read from scan | Purchase | Mar 4, 2026 | $15,001 - $50,000 | May 8, 2026 | White House report ↗ |
Lobbying
What Community Financial System, Inc. and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.
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H-1B labor applications at Community Financial System, Inc.
0 certified in 12 moLabor condition applications decided by the Department of Labor, matched to Community Financial System, Inc. by employer name. An application is not a hire.
Median yearly wage offered, full-time certified applications, Jul 2025 to Jun 2026: —The wage the employer offered, as filed, with its unit. The yearly figure restates it per year (hourly x 2,080, weekly x 52, every two weeks x 26, monthly x 12) from the low end of the offered range. It is not what the worker was paid.
| Quarter | Certified | All decided | Workers asked for |
|---|---|---|---|
| 2024 Q3 | 0 | 0 | 0 |
| 2024 Q4 | 0 | 0 | 0 |
| 2025 Q1 | 0 | 0 | 0 |
| 2025 Q2 | 1 | 1 | 1 |
| 2025 Q3 | 0 | 0 | 0 |
| 2025 Q4 | 0 | 0 | 0 |
| 2026 Q1 | 0 | 0 | 0 |
| 2026 Q2 | 0 | 0 | 0 |
We match the employer's name to a public company automatically, including a reviewed list of subsidiaries. A subsidiary can be missed and a similar name can be matched wrongly. The files carry no worker names.
Bank financials at Community Financial System, Inc.
Q2 2026Deposits, loans past due, charge-offs and capital of the banks Community Financial System, Inc. owns, from FDIC call reports
US bank subsidiaries Q2 2026: $17.4B in assets, $14.9B in deposits (31.1% uninsured), commercial real estate 32.6% of loans, common equity Tier 1 ratio 11.7%. 1 bank: COMMUNITY BANK NATIONAL ASSN.
Last 8 quarters
| Quarter | AssetsTotal assets of the company's US bank subsidiaries at the end of the quarter. | DepositsDomestic and foreign deposits of the banks at the end of the quarter. | UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices. | CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans. | Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately. | NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans. | Charge-offsThe quarter's net charge-offs times four, over period-end loans. | CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first. |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.4B | $14.9B | 31.10% | 32.64% | 0.60% | 0.44% | 0.12% | 11.72% |
| Q1 2026 | $17.4B | $15.0B | 32.49% | 32.08% | 0.69% | 0.42% | 0.11% | 11.98% |
| Q4 2025 | $17.0B | $14.6B | 30.89% | 31.49% | 0.65% | 0.45% | 0.11% | 12.02% |
| Q3 2025 | $16.7B | $14.2B | 33.02% | 31.74% | 0.54% | 0.46% | 0.11% | 12.50% |
| Q2 2025 | $16.4B | $13.9B | 32.29% | 31.23% | 0.58% | 0.44% | 0.22% | 12.49% |
| Q1 2025 | $16.5B | $14.1B | 33.50% | 32.10% | 0.63% | 0.66% | 0.15% | 12.27% |
| Q4 2024 | $16.1B | $13.7B | 31.86% | 32.18% | 0.60% | 0.64% | 0.16% | 11.96% |
| Q3 2024 | $16.2B | $13.7B | 32.76% | 32.11% | 0.50% | 0.58% | 0.15% | 11.69% |
By loan type, Q2 2026
| Loan type | Loans | Past dueLoans 30 or more days past due and still accruing, as a percent of that loan type. | Nonaccrual | Charge-offsThe quarter's net charge-offs times four, as a percent of that loan type. |
|---|---|---|---|---|
| 1-4 family mortgages | $4.3B | 0.94% | 0.76% | 0.01% |
| Commercial real estate | $3.7B | 0.09% | 0.17% | -0.01% |
| Commercial and industrial | $1.0B | 0.23% | 0.88% | 0.40% |
| Auto loans | $1.8B | 1.08% | 0.00% | 0.24% |
| Other consumer | $354M | 0.94% | 0.00% | 1.43% |
Against Q2 2025: uninsured share -1.19 pp; commercial real estate share of loans +1.42 pp; past due, all loans +0.03 pp; past due, commercial real estate +0.05 pp.
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.
Lender stress at Community Financial System, Inc.
Card, bank and complaint records for this lender, side by side
Community Financial System, Inc. has bank card and auto delinquencies (FDIC). The page shows them next to each other; each keeps its own source and date.
Community Financial System, Inc. on Lender stress · All lenders
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Institutional ownership over time
How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.
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More filings and data
Each opens the table.
About the company
The basics from the company’s SEC registration.
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Adjusted for stock splits; not for dividends. Where prices come from.
Live chart
Intraday and historical prices from TradingView. Quotes may be delayed.
Information, not investment advice. Company matching is automatic; check the source before relying on one row.