Community Bank System, Inc. (CBU): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Community Bank System, Inc. (CBU), einem dynamischen Finanzinstitut, das das traditionelle Bankwesen durch innovative Ansätze und gemeinschaftsorientierte Strategien verändert. Dieses umfassende Business Model Canvas zeigt, wie die CBU lokale Partnerschaften, fortschrittliche digitale Infrastruktur und personalisierte Banklösungen nutzt, um einen einzigartigen Mehrwert für verschiedene Kundensegmente in mehreren Bundesstaaten zu schaffen. Durch die Kombination von technologischer Kompetenz und beziehungsorientiertem Service hat die CBU ein robustes Modell geschaffen, das sie als zukunftsorientiertes Finanzunternehmen im heutigen wettbewerbsintensiven Bankenumfeld positioniert.

Community Bank System, Inc. (CBU) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und gewerbliche Kunden

Im Jahr 2023 unterhielt Community Bank System, Inc. strategische Partnerschaften mit etwa 2.500 lokalen Unternehmen in New York und den umliegenden Bundesstaaten. Zum gewerblichen Kundenportfolio der Bank gehörten:

Unternehmenssektor	Anzahl der Partnerschaften	Gesamtes Kreditrisiko
Herstellung	425	312 Millionen Dollar
Gesundheitswesen	350	275 Millionen Dollar
Landwirtschaft	275	189 Millionen Dollar

Versicherungsanbieter und Finanzdienstleistungspartner

Zu den wichtigsten Partnerschaften im Finanzdienstleistungsbereich gehören:

• CUNA Mutual Group für Versicherungsprodukte
• Fiserv für Zahlungsabwicklungsdienste
• Visa und Mastercard für Kredit-/Debitkartennetzwerke

Technologieanbieter für digitale Banking-Lösungen

Technologiepartner	Service bereitgestellt	Jährliche Investition
Jack Henry & Mitarbeiter	Kernbankenplattform	4,2 Millionen US-Dollar
Temenos	Digitale Banking-Infrastruktur	2,7 Millionen US-Dollar

Regionale Wirtschaftsentwicklungsorganisationen

Community Bank System arbeitet zusammen mit:

• New York State Economic Development Corporation
• Regionaler Wirtschaftsentwicklungsrat von Central New York
• Lokale Handelskammerkapitel in 12 Landkreisen

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Finanzberatung

Zu den Compliance-Partnerschaften gehören:

• Wolters Kluwer für Lösungen zur Einhaltung gesetzlicher Vorschriften
• Baker Tilly für Finanzberatungsdienstleistungen
• AML RightSource für Unterstützung bei der Bekämpfung der Geldwäsche

Gesamte jährliche Partnerschaftsinvestition: 18,5 Millionen US-Dollar

Community Bank System, Inc. (CBU) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 betreibt Community Bank System, Inc. 228 Bankbüros in New York, Pennsylvania und Vermont. Die Gesamtaktiva belaufen sich auf 16,9 Milliarden US-Dollar, die Gesamteinlagen auf 14,2 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Jährliches Transaktionsvolumen	Generierter Umsatz
Persönliche Girokonten	372.000 Konten	48,3 Millionen US-Dollar
Geschäftsgirokonten	86.500 Konten	37,6 Millionen US-Dollar

Verwaltung digitaler Bankplattformen

Online- und Mobile-Banking-Plattform für 245.000 aktive digitale Nutzer mit einer Akzeptanzrate mobiler Apps von 92 %.

• Mobile Banking-Transaktionen: 3,2 Millionen monatlich
• Investition in die digitale Plattform: 7,2 Millionen US-Dollar im Jahr 2023
• Budget für Cybersicherheitsinfrastruktur: 4,5 Millionen US-Dollar pro Jahr

Kreditvergabe und Bonitätsprüfung

Gesamtkreditportfolio: 12,7 Milliarden US-Dollar (Stand Dezember 2023).

Darlehenstyp	Gesamtvolumen	Durchschnittlicher Zinssatz
Gewerbliche Kredite	6,3 Milliarden US-Dollar	6.75%
Wohnhypotheken	4,9 Milliarden US-Dollar	5.85%
Verbraucherkredite	1,5 Milliarden US-Dollar	7.25%

Investment- und Vermögensverwaltungsdienstleistungen

Verwaltetes Vermögen: 3,6 Milliarden US-Dollar mit 42.000 Vermögensverwaltungskunden.

• Durchschnittlicher Kontowert: 85.700 $
• Umsatz aus der Vermögensverwaltung: 62,4 Millionen US-Dollar im Jahr 2023

Compliance- und Risikomanagement-Operationen

Besetzung der Compliance-Abteilung: 87 Vollzeitkräfte.

Compliance-Bereich	Jährlicher Betriebshaushalt	Ergebnisse der Regulierungsprüfung
Einhaltung gesetzlicher Vorschriften	5,3 Millionen US-Dollar	Keine schwerwiegenden Verstöße
Risikomanagement	4,1 Millionen US-Dollar	99,8 % Wirksamkeit der Risikominderung

Community Bank System, Inc. (CBU) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Im vierten Quartal 2023 betreibt Community Bank System, Inc. insgesamt 226 Bankbüros in mehreren Bundesstaaten, hauptsächlich in New York, Pennsylvania und Vermont.

Staat	Anzahl der Filialen
New York	162
Pennsylvania	38
Vermont	26

Digitale Banking-Infrastruktur

Kennzahlen zum digitalen Banking:

• Online-Banking-Nutzer: 287.500
• Mobile-Banking-App-Downloads: 215.300
• Digitales Transaktionsvolumen: 4,2 Millionen monatliche Transaktionen

Humankapitalressourcen

Gesamtzahl der Mitarbeiter: 2.153 zum 31. Dezember 2023

Mitarbeiterkategorie	Anzahl der Mitarbeiter
Vollzeit-Profis	1,892
Teilzeitbeschäftigte	261

Finanzielle Stabilität

Finanzielle Ressourcenkennzahlen:

• Gesamtvermögen: 13,4 Milliarden US-Dollar
• Gesamteigenkapital: 1,65 Milliarden US-Dollar
• Kernkapitalquote: 12,3 %

Technologische Systeme

Technologieinvestitionen: 24,7 Millionen US-Dollar an Technologieinfrastruktur für 2023

Kategorie „Technologieinvestitionen“.	Zuordnung
Cybersicherheit	8,3 Millionen US-Dollar
Digitale Banking-Plattform	6,9 Millionen US-Dollar
Kernbankensysteme	9,5 Millionen US-Dollar

Community Bank System, Inc. (CBU) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient Community Bank System, Inc. 45 Bezirke in New York, Pennsylvania und Vermont mit insgesamt 237 Filialen. Die Bank verfügt über ein Gesamtvermögen von 14,2 Milliarden US-Dollar und bietet lokale Bankdienstleistungen für 1,3 Millionen Kunden an.

Servicekategorie	Anzahl der Angebote	Marktdurchdringung
Persönliche Bankprodukte	37 verschiedene Produkte	82 % lokaler Marktanteil
Banking für kleine Unternehmen	24 spezialisierte Lösungen	68 % regionale Marktabdeckung

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze für Schlüsselprodukte ab Januar 2024:

• Persönliche Sparkonten: 3,75 % effektiver Jahreszins
• Geldmarktkonten: 4,25 % effektiver Jahreszins
• 12-Monats-CD-Preise: 4,60 % effektiver Jahreszins
• Home-Equity-Kreditlinien: Ab einem variablen Zinssatz von 7,25 %

Umfassende digitale und mobile Banking-Erlebnisse

Digital-Banking-Statistiken für 2023:

Digitale Plattform	Benutzerakzeptanz	Transaktionsvolumen
Mobile-Banking-App	218.000 aktive Benutzer	3,7 Millionen monatliche Transaktionen
Online-Banking-Plattform	276.000 registrierte Benutzer	4,2 Millionen monatliche Transaktionen

Beziehungsbasierter Kundenservice-Ansatz

Kundendienstkennzahlen für 2023:

• Durchschnittliche Kundenbindungsrate: 87,3 %
• Kundenzufriedenheitswert: 4,6/5
• Durchschnittliche Kundenbeziehungsdauer: 9,2 Jahre

Maßgeschneiderte Finanzberatung und Unterstützung für Unternehmen und Privatpersonen

Aufschlüsselung der Finanzberatungsleistungen für Unternehmen und Privatpersonen:

Beratungsdienst	Anzahl der betreuten Kunden	Gesamtes Beratungsvermögen
Beratung für Kleinunternehmen	3.750 aktive Kunden	620 Millionen US-Dollar verwaltet
Persönliche Vermögensverwaltung	12.400 Einzelkunden	2,3 Milliarden US-Dollar verwaltet

Community Bank System, Inc. (CBU) – Geschäftsmodell: Kundenbeziehungen

Personalisierte Kontoverwaltung

Im vierten Quartal 2023 unterhält Community Bank System, Inc. 232.000 Privatbankkunden und 18.500 Geschäftsbankbeziehungen.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Kontowert
Persönliches Banking	232,000	$47,300
Geschäftsbanking	18,500	$253,700

Community-orientiertes Relationship Banking

Community Bank System ist in 5 Bundesstaaten mit 242 Filialen tätig und bedient lokale Märkte in New York, Pennsylvania, Vermont, Massachusetts und Connecticut.

• Durchschnittliche Kundenbindungsrate: 87,4 %
• Lokale Marktdurchdringung: 62 % in primären Versorgungsgebieten
• Gemeinschaftsinvestition im Jahr 2023: 4,2 Millionen US-Dollar

Multi-Channel-Kundensupport

Support-Kanal	Monatliche Interaktionen	Durchschnittliche Reaktionszeit
Zweig	78,500	12 Minuten
Online-Banking	214,000	3 Minuten
Mobile App	186,000	2 Minuten
Telefonsupport	45,200	7 Minuten

Digitale Self-Service-Plattformen

Im Jahr 2024 liegt die Akzeptanzrate des digitalen Bankings bei den Kunden bei 72,3 %.

• Mobile-Banking-Nutzer: 186.000
• Online-Banking-Nutzer: 214.000
• Digitales Transaktionsvolumen: 3,6 Millionen monatlich

Regelmäßige Finanzbildungs- und Beratungsdienste

Beratungsdienst	Anzahl der Sitzungen	Durchschnittliche Kundenbeteiligung
Ruhestandsplanung	4,200	67%
Investment-Workshops	2,800	53%
Seminare für Kleinunternehmen	1,600	42%

Community Bank System, Inc. (CBU) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2023 betreibt Community Bank System, Inc. 229 physische Filialen in New York, Pennsylvania und Vermont.

Staat	Anzahl der Filialen
New York	173
Pennsylvania	36
Vermont	20

Online-Banking-Website

Die Online-Banking-Plattform der Bank bedient im vierten Quartal 2023 rund 138.000 aktive Digital-Banking-Nutzer.

• Website-URL: www.communitybankna.com
• Digitales Transaktionsvolumen: 2,4 Millionen monatliche Online-Transaktionen
• Website-Sicherheit: 256-Bit-Verschlüsselung

Mobile-Banking-Anwendung

Die mobile App von Community Bank System hat im Jahr 2023 95.000 aktive monatliche Nutzer.

Plattform	App Store-Bewertung	Laden Sie Count herunter
Apple App Store	4.3/5	62,000
Google Play Store	4.1/5	53,000

Telefonbanking-Dienste

Die Bank betreibt ein Kundenservice-Callcenter, das monatlich etwa 78.000 Kundeninteraktionen abwickelt.

• Kundendienstzeiten: 7:00 – 20:00 Uhr EST
• Durchschnittliche Anrufwartezeit: 3,2 Minuten
• Telefonbanking-Support: Automatisierte Dienste rund um die Uhr

ATM-Netzwerk

Das Community Bank System unterhält in seinen Betriebsstaaten 342 Geldautomatenstandorte.

Geldautomatentyp	Anzahl der Maschinen	Transaktionsvolumen
Bankeigene Geldautomaten	242	1,1 Millionen monatliche Transaktionen
Gemeinsam genutzte Netzwerk-Geldautomaten	100	420.000 monatliche Transaktionen

Community Bank System, Inc. (CBU) – Geschäftsmodell: Kundensegmente

Lokale kleine und mittlere Unternehmen

Im vierten Quartal 2023 betreut das Community Bank System etwa 15.200 kleine und mittlere Unternehmen in New York und den umliegenden Bundesstaaten.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	6,750	$275,000
Professionelle Dienstleistungen	4,500	$385,000
Herstellung	2,350	$625,000
Agrarbetriebe	1,600	$412,000

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 237.500 zum 31. Dezember 2023.

• Persönliche Girokonten: 142.300
• Persönliche Sparkonten: 95.200
• Durchschnittliches Kundenalter: 42 Jahre
• Nutzer des digitalen Bankings: 68 % der Privatkunden

Gewerbe- und Firmenkunden

Das Geschäftsbanksegment umfasst 2.750 Firmenkunden mit einem gesamten Geschäftskreditportfolio von 3,2 Milliarden US-Dollar im Jahr 2023.

Unternehmenssegment	Anzahl der Kunden	Durchschnittlicher Jahresumsatz
Mittelständische Unternehmen	1,850	50 bis 500 Millionen US-Dollar
Große Unternehmen	900	500 Mio. $ – 2 Mrd. $

Vermögende Privatpersonen

Das Segment Vermögensverwaltung betreut 4.300 vermögende Kunden mit einem verwalteten Gesamtvermögen von 1,7 Milliarden US-Dollar im Jahr 2023.

• Durchschnittliches Nettovermögen des Kunden: 3,2 Millionen US-Dollar
• Kunden mit Anlageportfolios über 5 Mio. USD: 1.200
• Einnahmen aus Vermögensverwaltungsgebühren: 42,5 Millionen US-Dollar

Kommunalverwaltung und kommunale Körperschaften

Das Segment Kommunalbanken umfasst 215 Kunden aus Kommunalverwaltungen und dem öffentlichen Sektor mit einem Gesamtportfolio an Kommunalanleihen von 780 Millionen US-Dollar.

Kommunales Segment	Anzahl der Kunden	Kommunalanleihen insgesamt
Bezirksregierungen	47	320 Millionen Dollar
Stadtgemeinden	112	280 Millionen Dollar
Schulbezirke	56	180 Millionen Dollar

Community Bank System, Inc. (CBU) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Für das Geschäftsjahr 2023 meldete Community Bank System, Inc. die folgenden Betriebskosten der Filiale:

Ausgabenkategorie	Betrag ($)
Miet- und Wohnkosten	24,500,000
Dienstprogramme	5,200,000
Wartung und Reparaturen	3,750,000

Wartung von Technologie und Infrastruktur

Zu den Kosten für die Technologieinfrastruktur für 2023 gehörten:

• Wartung der IT-Systeme: 18.300.000 US-Dollar
• Investitionen in Cybersicherheit: 7.500.000 US-Dollar
• Softwarelizenzierung: 4.200.000 US-Dollar
• Netzwerkinfrastruktur: 6.800.000 $

Gehälter und Leistungen der Mitarbeiter

Aufschlüsselung der Vergütung für 2023:

Vergütungskategorie	Betrag ($)
Grundgehälter	152,000,000
Leistungsprämien	22,500,000
Gesundheitsleistungen	35,600,000
Altersvorsorgebeiträge	18,900,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Compliance-Aufwand für 2023:

• Rechts- und Compliance-Abteilung: 12.500.000 US-Dollar
• Regulatorische Meldesysteme: 3.200.000 US-Dollar
• Prüfungs- und Beratungsgebühren: 5.700.000 USD

Aufwendungen für Marketing und Kundenakquise

Aufschlüsselung der Marketingausgaben für 2023:

Marketingkanal	Betrag ($)
Digitales Marketing	8,600,000
Traditionelle Werbung	4,300,000
Kampagnen zur Kundengewinnung	6,200,000
Gemeinschaftspatenschaften	1,500,000

Community Bank System, Inc. (CBU) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete Community Bank System, Inc. einen Nettozinsertrag von 503,8 Millionen US-Dollar. Das Kreditportfolio der Bank erwirtschaftete Zinserträge in Höhe von 456,2 Millionen US-Dollar, während Anlagepapiere 47,6 Millionen US-Dollar beisteuerten.

Einnahmequelle	Betrag (Mio. USD)	Prozentsatz der gesamten Zinserträge
Gewerbliche Kredite	267.3	52.3%
Verbraucherkredite	188.9	37.0%
Anlagewertpapiere	47.6	9.3%
Sonstige Zinserträge	10.0	1.4%

Gebühren für Bankdienstleistungen

Im Jahr 2023 generierte Community Bank System, Inc. 87,5 Millionen US-Dollar an Servicegebühren und Gebühren.

• Kontoführungsgebühren: 32,4 Millionen US-Dollar
• Transaktionsgebühren: 28,6 Millionen US-Dollar
• Überziehungsgebühren: 15,7 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 10,8 Millionen US-Dollar

Vermögensverwaltung und Beratungsdienste

Die Vermögensverwaltungsabteilung der Bank erwirtschaftete im Jahr 2023 einen Umsatz von 65,2 Millionen US-Dollar.

Servicekategorie	Umsatz (Mio. USD)
Anlageberatung	38.7
Vertrauensdienste	22.5
Finanzplanung	4.0

Einnahmen aus Hypotheken- und Kreditprodukten

Hypotheken- und Kreditprodukte trugen im Jahr 2023 142,6 Millionen US-Dollar zum Umsatz der Bank bei.

• Vergabe von Wohnhypotheken: 85,3 Millionen US-Dollar
• Gewerbliche Hypothekendarlehen: 42,7 Millionen US-Dollar
• Vergabe eines Privatkredits: 14,6 Millionen US-Dollar

Transaktions- und Kontoführungsgebühren

Die Transaktions- und Kontoführungsgebühren beliefen sich im Jahr 2023 auf insgesamt 60,9 Millionen US-Dollar.

Gebührenart	Betrag (Mio. USD)
Gebühren für Geldautomatentransaktionen	22.3
Gebühren für Überweisungen	18.6
Kontoführungsgebühren	12.4
Sonstige Transaktionsgebühren	7.6

Community Bank System, Inc. (CBU) - Canvas Business Model: Value Propositions

Community Bank System, Inc. offers a value proposition built on its structure as a diversified financial services company, not just a bank.

The company formally organizes itself around four main business lines:

• Banking services
• Employee benefit services
• Insurance services
• Wealth management services

This diversification means that operating noninterest revenues from these fee-income businesses contributed to a 9.0% increase year-over-year in Q1 2025. Specifically, the OneGroup NY, Inc. subsidiary is recognized as a top 68 U.S. insurance agency.

The core banking operation, Community Bank, N.A., is among the country's 100 largest banking institutions, holding over $16 billion in assets. As of late 2025, the bank operates approximately 200 customer facilities across its footprint. For the third quarter of 2025, Community Bank System, Inc. reported revenues of $207.1 million and GAAP Earnings Per Share (EPS) of $1.04.

Financial stability is underscored by a long history of returning capital to shareholders. Community Bank System, Inc. has a 28-year track record of consecutive dividend increases as of the third quarter of 2025. The most recently declared quarterly cash dividend was $0.47 per share, which results in an annualized dividend payout of $1.86. The forward dividend yield as of December 5, 2025, was 3.21%, with a reported payout ratio of 45.68%.

The commitment to personalized, relationship-focused community banking is being actively expanded in key growth markets. Through the acquisition of seven branches from Santander Bank, N.A., completed in November 2025, Community Bank is solidifying its presence in Pennsylvania's Greater Lehigh Valley. This strategic move brings the total retail locations in the Greater Lehigh Valley to 12, securing a Top 5 market position in that region. The acquired branches brought approximately $553.0 million in customer deposit accounts and $33 million in branch-related loans.

Comprehensive wealth management and trust administration is delivered through the Nottingham Financial Group operating unit.

Here is a summary of key figures supporting the value proposition as of late 2025:

Metric	Value / Position	Source Context
Total Business Lines	4 (Banking, Employee Benefit, Insurance, Wealth Management)	Diversification structure
Consecutive Dividend Increases	28 years as of Q3 2025	Financial Stability Track Record
Latest Declared Quarterly Dividend	$0.47 per share	Financial Stability / Shareholder Return
Annualized Dividend Payout	$1.86	Financial Stability / Shareholder Return
Banking Subsidiary Asset Size	Over $16 billion	Community Banking Scale
Greater Lehigh Valley Retail Locations (Post-Acquisition)	12	Regional Market Position
Greater Lehigh Valley Market Rank	Top 5	Regional Market Position
Deposits Acquired in Lehigh Valley Deal	Approx. $600 million / $553.0 million	Regional Market Expansion

Community Bank System, Inc. (CBU) - Canvas Business Model: Customer Relationships

You're looking at how Community Bank System, Inc. (CBU) maintains its connections with its diverse customer base as of late 2025. The strategy blends personalized service with digital efficiency, grounded in its regional footprint.

Dedicated relationship managers for commercial and high net worth clients

Community Bank System, Inc. supports its commercial and high net worth segments through specialized attention, though specific headcounts for dedicated relationship managers aren't publicly itemized in the latest reports. The focus on these segments is evident in the overall loan and revenue performance. For instance, total ending loans reached $10.67 billion by the third quarter of 2025, with growth noted in the business lending portfolio.

High-touch, in-person service at branch locations

The physical presence remains central to the high-touch model. Community Bank, N.A., the banking subsidiary, operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. This network supports the bank's standing as one of the country's 100 largest banking institutions, with total assets exceeding $16 billion as of the first quarter of 2025.

Automated self-service via online and mobile banking platforms

While the latest 2025 digital adoption rates aren't published, the trend shows a move toward automation. Data from 2023 indicated that digital channel adoption accounted for 62.3% of total customer interactions, with traditional branch transactions at 37.7%. The bank's focus on digital platforms helps manage service delivery alongside its physical footprint.

Retaining staff from acquired branches to ensure service continuity

A concrete example of ensuring service continuity was the completion of the acquisition of seven former Santander Bank, N.A. branches in the Allentown, Pennsylvania area in November 2025. This type of strategic growth is managed with an emphasis on integrating personnel to maintain established customer relationships.

Long-term, trust-based relationships with municipal customers

Municipal customers are a significant source of stable funding. Public funds deposits totaled $2.341 billion at the end of the first quarter of 2025, representing an increase of $408.5 million from one year prior. Total ending deposits for the bank were $14.06 billion by the third quarter of 2025. The bank has also increased its net interest income for 18 consecutive years, signaling consistent, trust-based financial partnership.

Here's a quick look at key operational and financial metrics that underpin these customer relationships as of the latest reported periods in 2025:

Metric	Value/Amount	Reporting Period	Source Context
Total Assets (Banking Subsidiary)	Over $16 billion	Q1 2025	Banking subsidiary size
Customer Facilities (Branches)	Approximately 200	Late 2025	Physical service presence
Total Ending Deposits	$14.06 billion	Q3 2025	Overall deposit base size
Public Funds Deposits	$2.341 billion	Q1 2025	Municipal customer funding level
Total Ending Loans	$10.67 billion	Q3 2025	Lending portfolio size
Net Interest Income (NII) Consecutive Growth	18 consecutive years	Through Q1 2025	Longevity of core banking relationship strength

The bank's relationship strategy relies on this physical scale combined with a growing digital capability. You can see the focus on core banking stability through the consistent NII growth, which is the bedrock for all other customer interactions.

Finance: draft 13-week cash view by Friday.

Community Bank System, Inc. (CBU) - Canvas Business Model: Channels

You're looking at how Community Bank System, Inc. gets its value propositions to its customers. It's a mix of old-school physical presence and modern digital reach, plus specialized national services.

The core physical network for Community Bank, N.A. involves a significant footprint across four states. As of 2025, the company reported steady 207 customer facilities. This network spans Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. The company is actively managing this footprint; for instance, in late 2025, Community Bank, N.A. completed the acquisition of seven Santander Bank, N.A. branches in the Allentown, Pennsylvania area. This single acquisition added approximately $553.0 million in customer deposit accounts.

The digital channel is essential for modern banking, even for a regionally focused institution like Community Bank System, Inc. While CBU-specific digital adoption rates aren't public, industry trends for 2025 show that a significant majority of consumers-77 percent-prefer to manage their bank accounts through a mobile app or a computer. Furthermore, 96 percent of consumers rate their mobile and online banking experience as "excellent," "very good" or "good." Community Bank System, Inc. supports this with its digital banking for both retail and business clients, operating alongside its physical locations, which, as of Q3 2025, supported total assets of over $16 billion.

Community Bank System, Inc. uses specialized subsidiaries to reach national customer segments through dedicated sales forces and direct channels. This is where the diversification really shows up in the channel strategy.

Channel Component	Subsidiary/Description	Latest Available Metric/Ranking
National Sales Force	Benefit Plans Administrative Services, Inc. (BPAS)	Provides services to customers on a national scale.
Direct-to-Consumer Insurance	OneGroup NY, Inc.	Ranked as a top 68 U.S. insurance agency as of Q3 2025.
Non-Banking Revenue Contribution	Insurance Services & Employee Benefit Services	Generated $56.7 million in operating noninterest revenues in Q1 2025.

The insurance and employee benefit services are a key part of the non-interest revenue stream, which hit a record in Q2 2025 at $199.3 million in total revenue. To build out these non-bank channels, Community Bank System, Inc. invested approximately $20 million in cash acquisitions across its Employee Benefit Services and Insurance Services businesses during the 2024 fiscal year.

For transactional access, the bank relies on its own infrastructure and external partners.

• ATM network and third-party payment processors support customer transactions.
• The bank's banking subsidiary, Community Bank, N.A., operates its own ATM network alongside its customer facilities.
• The overall company reported total operating revenues of $207.05 million for the third quarter of 2025.

It's a multi-pronged approach; you need the local branch for trust, the digital for convenience, and the specialized units for national scale.

Community Bank System, Inc. (CBU) - Canvas Business Model: Customer Segments

You're looking at the core groups Community Bank System, Inc. (CBU) serves across its diversified model. This isn't just about checking accounts; it's about distinct client needs met by specialized business lines.

Retail consumers in Upstate New York and Northeastern Pennsylvania form the bedrock of the traditional banking franchise. Community Bank, N.A., the banking subsidiary, operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. This physical presence supports the primary retail relationship.

Small to mid-sized commercial businesses are served through the business lending portfolio. Ending loans showed growth in the business lending segment in Q1 2025, partially offsetting a decrease in consumer indirect lending. Further loan growth in Q3 2025 was reflective of organic growth in the overall business lending portfolio.

Institutional and municipal customers provide a key source of stable, low-cost funding. This segment is characterized by long-term relationships, not 'hot money.' The deposit base structure is heavily weighted toward core funding:

• Non-interest-bearing and low-rate checking and savings accounts represent almost two-thirds of total deposits.
• Total deposits stood at $13.89 billion at the end of March 2025.
• Public funds deposits reached $2.341 billion at the end of Q1 2025.
• The municipal deposit business was nearing $2 billion in outstanding balances as of early 2025.

High net worth individuals seeking wealth management services are served by the Wealth Management Services segment. This group relies on Community Bank Wealth Management for comprehensive financial planning and trust administration. The segment shows strong profitability metrics:

• Wealth Management Services revenues increased by $0.7 million year-over-year in Q1 2025.
• The segment posted a pretax tangible return of 48% in Q3 2025.

National clients for employee benefits and trust services are addressed through the Employee Benefit Services segment, managed by Benefit Plans Administrative Services, Inc., which serves customers on a national scale. This segment also contributes meaningfully to fee income:

• Employee Benefit Services revenues increased by 2.9% from the prior year's fourth quarter in Q1 2025.
• The pretax tangible return for Employee Benefit Services was 62% in Q3 2025.

Here's a quick look at how the non-banking segments are performing, which directly relates to serving the high-net-worth and national clients:

Business Segment	Metric	Latest Reported Value (2025)
Wealth Management Services	Revenue Increase (YoY Q1)	$0.7 million
Wealth Management Services	Pretax Tangible Return (Q3)	48%
Employee Benefit Services	Revenue Increase (QoQ Q1)	2.9%
Employee Benefit Services	Pretax Tangible Return (Q3)	62%
Insurance Services	Revenue Increase (YoY Q1)	27.8%

The overall banking subsidiary, Community Bank, N.A., is among the country's 100 largest banking institutions, with over $16 billion in assets. The loan-to-deposit ratio at the end of Q3 2025 was 76.5%.

Community Bank System, Inc. (CBU) - Canvas Business Model: Cost Structure

The Cost Structure for Community Bank System, Inc. (CBU) is heavily influenced by personnel costs, the physical footprint of its banking operations, and the fluctuating expense of funding its balance sheet. You see these costs reflected clearly in the sequential and year-over-year comparisons of non-interest expenses.

High non-interest expenses from salaries and employee benefits are a primary cost driver. For the second quarter of 2025, total noninterest expenses reached $129.1 million, up 8.5% year-over-year from $119.0 million in Q2 2024. A significant portion of this increase was attributed to personnel costs; specifically, salaries and employee benefits rose by $5.6 million, or 7.6%, year-over-year in Q2 2025. Management noted that this included merit increases.

Significant occupancy and data processing costs for 200 branches are embedded within the non-interest expense line. Community Bank, N.A. operates approximately 200 customer facilities. In Q2 2025, data processing and communication expenses increased by $1.4 million, or 9.3% year-over-year. Furthermore, Q3 2025 non-interest expenses of $128.3 million included an increase in data processing and communication expenses that featured a $1.4 million consulting expense related to a core system provider contract renegotiation.

Interest expense on deposits and borrowings, or the cost of funds, is a variable cost that CBU actively manages. The cost of funds was reported at 1.33% in Q1 2025. The bank's focus on low-cost deposits helps keep this number relatively stable, though it is subject to rate movements.

Metric	Q1 2025	Q2 2025	Q3 2025
Cost of Funds	1.33%	1.32%	1.33%
Cost of Deposits	N/A	1.19%	1.17%

The bank is actively investing in its physical presence while also streamlining its network, leading to specific costs associated with de novo branch expansion and M&A integration. As of Q2 2025, CBU had opened seven De Novo branches out of 19 planned, with 17 closures submitted to maintain a net-neutral count. De Novo branch expansion expenses were approximately $1.5 million in Q2 2025 and approximately $2.3 million in Q3 2025. Management anticipated startup costs of $3-$4 million in Q3 2025 related to this expansion. Strategically, CBU completed the acquisition of seven former Santander Bank branches in November 2025, adding approximately $553.0 million in deposits and $31.9 million in loans. Earlier in 2025, there was an expectation that a transaction would assume approximately $600 million of deposits and acquire about $33 million of loans.

Provision for credit losses (PCL) represents an allocation against potential loan losses, which fluctuates based on economic outlook and specific credit events. The provision for credit losses in Q2 2025 was $4.1 million, a sequential increase from the $6.7 million recorded in Q1 2025. For the subsequent quarter, Q3 2025, the provision increased again to $5.6 million. The Q2 2025 figure was notably higher than the $2.7 million recorded in Q2 2024.

You can see the quarterly PCL trend here:

• Provision for Credit Losses (Q1 2025): $6.7 million
• Provision for Credit Losses (Q2 2025): $4.1 million
• Provision for Credit Losses (Q3 2025): $5.6 million

Community Bank System, Inc. (CBU) - Canvas Business Model: Revenue Streams

You're looking at the revenue side of Community Bank System, Inc. (CBU), and honestly, it's built on a diversified model that goes well beyond just making loans. That mix is key to how they manage risk.

The core engine remains the interest spread. For the third quarter of 2025, the Net Interest Income (NII) from loans and investments hit $128.2 million. That figure marked the sixth consecutive quarter of NII expansion for Community Bank System, Inc.

To give you a snapshot of how the revenue streams break down, here's a look at the latest reported figures:

Revenue Stream Category	Latest Reported Period	Financial Amount
Net Interest Income (NII)	Q3 2025	$128.2 million
Total Operating Revenues	Q3 2025	$206.8 million
Operating Non-interest Revenues (Total Fee Income)	Q3 2025	Represents 38% of Total Operating Revenues
Total Non-bank Financial Services Revenues	Q1 2025	$56.7 million (New Quarterly Record)

The non-interest fee revenue is where Community Bank System, Inc. really shows its diversification. This income comes from several distinct business lines, which you need to track separately.

For the banking services portion, we see specific growth drivers. For instance, in the first quarter of 2025, the Banking-Related Operating Noninterest Revenues were up 4.7%, equating to $0.9 million, driven largely by mortgage banking activities. This is a tangible example of how the core banking operations contribute to fee income.

The non-bank segments are significant revenue contributors, providing stability when pure banking margins fluctuate. Here are the details on those specific fee incomes:

• Fee income from Employee Benefit Services, Insurance Services, and Wealth Management Services combined reached a new quarterly record of $56.7 million in the first quarter of 2025.
• For the third quarter of 2025, the total non-bank financial services noninterest revenues were reported at $54.5 million.
• Looking specifically at Wealth Management and Trust Services fees, revenue for the first nine months of 2025 grew to $27.5 million, up from $26.8 million in the prior comparable period.

The growth in the Employee Benefit Services revenue and Insurance Services revenue also contributed to the overall non-interest income increase for the first nine months of 2025. You should watch the sequential change in the non-bank revenue, as it decreased by 3.9% from the first quarter of 2025 to the third quarter of 2025.

Finance: draft Q4 2025 non-interest income breakdown by segment by next Tuesday.