The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in New York

Yes. Community Bank, National Association is an FDIC-insured institution (FDIC certificate #6989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.5% of deposits ($4.7B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.54% (benchmark: 10%).

Check how much of your own balance is covered

Community Bank, National Association lists 198 offices in 174 cities across 5 states. Most locations:

• Scranton, PA (4)
• Bethlehem, PA (3)
• Oneonta, NY (3)
• Rochester, NY (3)
• Albany, NY (2)
• Burlington, VT (2)
• Dunkirk, NY (2)
• Easton, PA (2)
• Ithaca, NY (2)
• Olean, NY (2)
• Oneida, NY (2)
• Plattsburgh, NY (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 106 consumer complaints about COMMUNITY FINANCIAL SYSTEM, INC. to the company (40 in the last 12 months). 99.1% received a timely response. That is 7.1 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Community Bank, National Association reported 7,056 home-loan applications under HMDA (LEI 5493005RDTT7HVODH436): 4,913 originated ($925,545,000 total), 1,158 denied, and 943 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Community Bank, National Association

Former names

The St. Lawrence County National Bank; The St. Lawrence National Bank

Type

National bank

FDIC certificate #

6989

RSSD ID

202907

Primary regulator

OCC

Holding company

Community Financial System Inc

Established

January 1, 1866

Headquarters

45-49 Court Street, Canton, NY 13617

Website

www.cbna.com

Employees

2,119