Community Bank System, Inc. (CBU): Canvas de modelo de negócios [Jan-2025 Atualizado]

Mergulhe no plano estratégico do Community Bank System, Inc. (CBU), uma instituição financeira dinâmica que transforma o banco tradicional por meio de abordagens inovadoras e estratégias focadas na comunidade. Esse modelo abrangente de negócios revela como a CBU aproveita parcerias locais, infraestrutura digital avançada e soluções bancárias personalizadas para criar valor único para diversos segmentos de clientes em vários estados. Ao misturar proezas tecnológicas com o serviço orientado por relacionamento, a CBU criou um modelo robusto que os posiciona como uma potência financeira de visão de futuro no cenário bancário competitivo de hoje.

Community Bank System, Inc. (CBU) - Modelo de Negócios: Parcerias -Chaves

Empresas locais e clientes comerciais

A partir de 2023, a Community Bank System, Inc. mantinha parcerias estratégicas com aproximadamente 2.500 empresas locais em Nova York e nos estados vizinhos. O portfólio de clientes comercial do banco incluiu:

Setor de negócios	Número de parcerias	Exposição total ao crédito
Fabricação	425	US $ 312 milhões
Assistência médica	350	US $ 275 milhões
Agricultura	275	US $ 189 milhões

Provedores de seguros e parceiros de serviço financeiro

As principais parcerias de serviço financeiro incluem:

• Grupo Mutual Cuna para produtos de seguro
• Fiserv para serviços de processamento de pagamento
• Visa e MasterCard para redes de cartão de crédito/débito

Fornecedores de tecnologia para soluções bancárias digitais

Parceiro de tecnologia	Serviço prestado	Investimento anual
Jack Henry & Associados	Plataforma bancária principal	US $ 4,2 milhões
Temenos	Infraestrutura bancária digital	US $ 2,7 milhões

Organizações regionais de desenvolvimento econômico

Sistema Banco Comunitário colabora com:

• Corporação de Desenvolvimento Econômico do Estado de Nova York
• Conselho de Desenvolvimento Econômico Regional Central de Nova York
• Capítulos da Câmara de Comércio Local em 12 municípios

Empresas regulatórias de conformidade e consultoria financeira

As parcerias de conformidade incluem:

• Wolters Kluwer para soluções de conformidade regulatória
• Baker Tilly para serviços de consultoria financeira
• Rightsource da LBA para apoio à lavagem de dinheiro

Investimento anual de parceria anual: US $ 18,5 milhões

Community Bank System, Inc. (CBU) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a Community Bank System, Inc. opera 228 escritórios bancários em Nova York, Pensilvânia e Vermont. Total de ativos relatados em US $ 16,9 bilhões, com depósitos totais de US $ 14,2 bilhões.

Categoria de serviço bancário	Volume anual de transações	Receita gerada
Contas de corrente pessoal	372.000 contas	US $ 48,3 milhões
Contas de corrente de negócios	86.500 contas	US $ 37,6 milhões

Gerenciamento de plataforma bancária digital

Plataforma bancária on -line e móvel, atendendo a 245.000 usuários digitais ativos com taxa de adoção de aplicativos móveis de 92%.

• Transações bancárias móveis: 3,2 milhões mensais
• Investimento de plataforma digital: US $ 7,2 milhões em 2023
• Orçamento de infraestrutura de segurança cibernética: US $ 4,5 milhões anualmente

Originação de empréstimos e avaliação de crédito

Portfólio de empréstimos Total: US $ 12,7 bilhões em dezembro de 2023.

Tipo de empréstimo	Volume total	Taxa de juros média
Empréstimos comerciais	US $ 6,3 bilhões	6.75%
Hipotecas residenciais	US $ 4,9 bilhões	5.85%
Empréstimos ao consumidor	US $ 1,5 bilhão	7.25%

Serviços de investimento e gerenciamento de patrimônio

Ativos sob gestão: US $ 3,6 bilhões com 42.000 clientes de gerenciamento de patrimônio.

• Valor médio da conta: US $ 85.700
• Receita de gerenciamento de patrimônio: US $ 62,4 milhões em 2023

Operações de conformidade e gerenciamento de riscos

Pessoal do Departamento de Conformidade: 87 profissionais em tempo integral.

Área de conformidade	Orçamento operacional anual	Resultados da auditoria regulatória
Conformidade regulatória	US $ 5,3 milhões	Zero grandes violações
Gerenciamento de riscos	US $ 4,1 milhões	99,8% de eficácia de mitigação de risco

Community Bank System, Inc. (CBU) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre 2023, a Community Bank System, Inc. opera 226 escritórios bancários totais em vários estados, principalmente em Nova York, Pensilvânia e Vermont.

Estado	Número de ramificações
Nova Iorque	162
Pensilvânia	38
Vermont	26

Infraestrutura bancária digital

Métricas bancárias digitais:

• Usuários bancários online: 287.500
• Downloads de aplicativos bancários móveis: 215.300
• Volume de transação digital: 4,2 milhões de transações mensais

Recursos de capital humano

Total de funcionários: 2.153 em 31 de dezembro de 2023

Categoria de funcionários	Número de funcionários
Profissionais em tempo integral	1,892
Funcionários de meio período	261

Estabilidade financeira

Métricas de recursos financeiros:

• Total de ativos: US $ 13,4 bilhões
• Patrimônio total: US $ 1,65 bilhão
• Tier 1 Capital Ratio: 12,3%

Sistemas tecnológicos

Investimento em tecnologia: US $ 24,7 milhões em infraestrutura de tecnologia para 2023

Categoria de investimento em tecnologia	Alocação
Segurança cibernética	US $ 8,3 milhões
Plataforma bancária digital	US $ 6,9 milhões
Sistemas bancários principais	US $ 9,5 milhões

Community Bank System, Inc. (CBU) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre de 2023, a Community Bank System, Inc. atende 45 municípios em Nova York, Pensilvânia e Vermont, com 237 locais totais de filiais. O banco mantém US $ 14,2 bilhões em ativos totais e fornece serviços bancários localizados a 1,3 milhão de clientes.

Categoria de serviço	Número de ofertas	Penetração de mercado
Produtos bancários pessoais	37 produtos distintos	82% de participação de mercado local
Bancos de pequenas empresas	24 soluções especializadas	68% de cobertura do mercado regional

Taxas de juros competitivas e produtos financeiros

Taxas de juros dos principais produtos em janeiro de 2024:

• Contas de poupança pessoal: 3,75% APY
• Contas do mercado monetário: 4,25% APY
• Taxas de CD de 12 meses: 4,60% APY
• Linhas de crédito de capital inicial: a partir de 7,25% de taxa variável

Experiências de bancos digitais e móveis abrangentes

Estatísticas bancárias digitais para 2023:

Plataforma digital	Adoção do usuário	Volume de transação
Aplicativo bancário móvel	218.000 usuários ativos	3,7 milhões de transações mensais
Plataforma bancária online	276.000 usuários registrados	4,2 milhões de transações mensais

Abordagem de atendimento ao cliente baseada em relacionamento

Métricas de atendimento ao cliente para 2023:

• Taxa média de retenção de clientes: 87,3%
• Pontuação de satisfação do cliente: 4,6/5
• Duração média do relacionamento do cliente: 9,2 anos

Conselhos financeiros adaptados e apoio a empresas e indivíduos

Business e divisões individuais de serviços financeiros de consultoria financeira:

Serviço de consultoria	Número de clientes atendidos	Total de ativos consultivos
Consultoria para pequenas empresas	3.750 clientes ativos	US $ 620 milhões gerenciados
Gestão de patrimônio pessoal	12.400 clientes individuais	US $ 2,3 bilhões sob administração

Community Bank System, Inc. (CBU) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de contas personalizado

A partir do quarto trimestre de 2023, a Community Bank System, Inc. mantém 232.000 clientes bancários pessoais e 18.500 relacionamentos bancários de negócios.

Segmento de clientes	Número de clientes	Valor médio da conta
Bancos pessoais	232,000	$47,300
Banking de negócios	18,500	$253,700

Relacionamento focado na comunidade Banking

O Sistema Banco Comunitário opera em 5 estados com 242 localizações de filiais, atendendo mercados locais em Nova York, Pensilvânia, Vermont, Massachusetts e Connecticut.

• Taxa média de retenção de clientes: 87,4%
• Penetração do mercado local: 62% nas áreas de serviço primário
• Investimento comunitário em 2023: US $ 4,2 milhões

Suporte ao cliente multicanal

Canal de suporte	Interações mensais	Tempo médio de resposta
Filial	78,500	12 minutos
Bancos online	214,000	3 minutos
Aplicativo móvel	186,000	2 minutos
Suporte telefônico	45,200	7 minutos

Plataformas de autoatendimento digital

Em 2024, a taxa de adoção bancária digital é de 72,3% entre os clientes.

• Usuários bancários móveis: 186.000
• Usuários bancários online: 214.000
• Volume de transação digital: 3,6 milhões mensais

Serviços regulares de educação financeira e consultoria

Serviço de consultoria	Número de sessões	Participação média do cliente
Planejamento de aposentadoria	4,200	67%
Workshops de investimento	2,800	53%
Seminários de pequenas empresas	1,600	42%

Community Bank System, Inc. (CBU) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2023, a Community Bank System, Inc. opera 229 localizações de filiais físicas em Nova York, Pensilvânia e Vermont.

Estado	Número de ramificações
Nova Iorque	173
Pensilvânia	36
Vermont	20

Site bancário online

A plataforma bancária on -line do banco atende aproximadamente 138.000 usuários de banco digital ativo a partir do quarto trimestre 2023.

• URL do site: www.communitybankna.com
• Volume de transação digital: 2,4 milhões de transações online mensais
• Segurança do site: criptografia de 256 bits

Aplicativo bancário móvel

O aplicativo móvel do Community Bank System possui 95.000 usuários mensais ativos em 2023.

Plataforma	App Store Classificação	Baixar contagem
Apple App Store	4.3/5	62,000
Google Play Store	4.1/5	53,000

Serviços bancários telefônicos

O banco opera um center de atendimento ao cliente que lida com aproximadamente 78.000 interações com clientes mensalmente.

• Horário de atendimento ao cliente: 7:00 - 20:00 EST
• Tempo médio de espera de chamada: 3,2 minutos
• Suporte a banco por telefone: serviços automatizados 24/7

Rede ATM

O Sistema Banco Comunitário mantém 342 locais de ATMs em seus estados operacionais.

Tipo de atm	Número de máquinas	Volume de transação
Caixas eletrônicos de propriedade de bancos	242	1,1 milhão de transações mensais
Caixas eletrônicos de rede compartilhada	100	420.000 transações mensais

Community Bank System, Inc. (CBU) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas locais

A partir do quarto trimestre de 2023, o Sistema Banco Comunitário atende aproximadamente 15.200 empresas pequenas e médias em Nova York e nos estados vizinhos.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	6,750	$275,000
Serviços profissionais	4,500	$385,000
Fabricação	2,350	$625,000
Negócios agrícolas	1,600	$412,000

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 237.500 em 31 de dezembro de 2023.

• Contas de corrente pessoal: 142.300
• Contas de poupança pessoal: 95.200
• Idade média do cliente: 42 anos
• Usuários de banco digital: 68% dos clientes de varejo

Clientes comerciais e corporativos

O segmento bancário comercial inclui 2.750 clientes corporativos com carteira total de empréstimos comerciais de US $ 3,2 bilhões em 2023.

Segmento corporativo	Número de clientes	Receita média anual
Empresas do mercado intermediário	1,850	$ 50m - US $ 500 milhões
Grandes corporações	900	US $ 500M - US $ 2B

Indivíduos de alta rede

O segmento de gerenciamento de patrimônio atende 4.300 clientes de alta rede com ativos totais sob gerenciamento de US $ 1,7 bilhão em 2023.

• Patrimônio líquido médio do cliente: US $ 3,2 milhões
• Clientes com portfólios de investimento acima de US $ 5m: 1.200
• Receita de taxa de gerenciamento de patrimônio: US $ 42,5 milhões

Governo local e entidades municipais

O segmento bancário municipal inclui 215 clientes do governo local e do setor público com o portfólio total de títulos municipais de US $ 780 milhões.

Segmento municipal	Número de clientes	Títulos municipais totais
Governos do condado	47	US $ 320 milhões
Municípios da cidade	112	US $ 280 milhões
Distritos escolares	56	US $ 180 milhões

Community Bank System, Inc. (CBU) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

Para o ano fiscal de 2023, a Community Bank System, Inc. relatou as seguintes despesas operacionais da filial:

Categoria de despesa	Valor ($)
Custos de aluguel e ocupação	24,500,000
Utilitários	5,200,000
Manutenção e reparos	3,750,000

Manutenção de tecnologia e infraestrutura

Custos de infraestrutura de tecnologia para 2023 incluídos:

• Manutenção de sistemas de TI: US $ 18.300.000
• Investimentos de segurança cibernética: US $ 7.500.000
• Licenciamento de software: US $ 4.200.000
• Infraestrutura de rede: US $ 6.800.000

Salários e benefícios dos funcionários

Remutação de compensação para 2023:

Categoria de compensação	Valor ($)
Salários da base	152,000,000
Bônus de desempenho	22,500,000
Benefícios de saúde	35,600,000
Contribuições de aposentadoria	18,900,000

Custos de conformidade regulatória

Despesas de conformidade para 2023:

• Departamento Legal e de Conformidade: US $ 12.500.000
• Sistemas de relatórios regulatórios: US $ 3.200.000
• Taxas de auditoria e consultoria: US $ 5.700.000

Despesas de marketing e aquisição de clientes

Redução de despesas de marketing para 2023:

Canal de marketing	Valor ($)
Marketing digital	8,600,000
Publicidade tradicional	4,300,000
Campanhas de aquisição de clientes	6,200,000
Patrocínio da comunidade	1,500,000

Community Bank System, Inc. (CBU) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, a Community Bank System, Inc. registrou receita de juros líquidos de US $ 503,8 milhões. A carteira de empréstimos do banco gerou US $ 456,2 milhões em receita de juros, enquanto os títulos de investimento contribuíram com US $ 47,6 milhões.

Fonte de receita	Valor ($ m)	Porcentagem da receita total de juros
Empréstimos comerciais	267.3	52.3%
Empréstimos ao consumidor	188.9	37.0%
Títulos de investimento	47.6	9.3%
Outras receitas de juros	10.0	1.4%

Taxas de serviço bancário

Em 2023, a Community Bank System, Inc. gerou US $ 87,5 milhões em cobranças e taxas de serviço.

• Taxas de manutenção de conta: US $ 32,4 milhões
• Taxas de transação: US $ 28,6 milhões
• Taxas de cheque especial: US $ 15,7 milhões
• Outras taxas de serviço bancário: US $ 10,8 milhões

Gerenciamento de patrimônio e serviços de consultoria

A divisão de gerenciamento de patrimônio do banco gerou US $ 65,2 milhões em receita para 2023.

Categoria de serviço	Receita ($ m)
Aviso de investimento	38.7
Serviços de confiança	22.5
Planejamento financeiro	4.0

Receita de produtos hipotecários e empréstimos

Os produtos de hipoteca e empréstimos contribuíram com US $ 142,6 milhões para a receita do banco em 2023.

• Origem da hipoteca residencial: US $ 85,3 milhões
• Empréstimos de hipotecas comerciais: US $ 42,7 milhões
• Origem do empréstimo pessoal: US $ 14,6 milhões

Taxas de transação e manutenção de contas

As taxas de transação e manutenção de contas totalizaram US $ 60,9 milhões em 2023.

Tipo de taxa	Valor ($ m)
Taxas de transação ATM	22.3
Taxas de transferência de fio	18.6
Taxas de manutenção da conta	12.4
Outras taxas de transação	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.