Community Bank

What Community Bank does

Community Bank, N.A. (legal entity; DBA "Community Bank") is a nationally chartered, FDIC-insured commercial bank and a wholly-owned operating subsidiary of Community Financial System, Inc. (CFSI), the publicly listed holding company headquartered in the Dewittville, NY area. Founded in 1866, the bank operates a regional branch and ATM network across three Northeast states — New York, Pennsylvania, and Vermont — and serves both consumer and commercial customers through physical branches, an online banking portal, a proprietary iOS/Android mobile banking app (CBNA Mobile Banking), and digital self-service account opening. Headcount is reported in the 1,001–5,000 range.

The product platform spans personal banking (four checking tiers including Carefree Checking℠, 50 Direct Checking, Premium Interest Checking, and CBNA Simply Checking℠; savings, CDs, money market accounts, IRAs, and HSAs), home lending (conventional mortgages, no-closing-cost mortgages, first-time homebuyer and affordable housing programs, home equity loans and lines of credit), consumer credit (credit cards, personal loans at 7.49% fixed APR with auto pay, personal lines of credit), business banking (business checking/savings, treasury management, merchant processing, Autobooks invoicing, online payroll, business loans, commercial real estate, debt capital markets, agricultural/farm loans, government banking, and dealer services), and a digital add-on suite (CBNA Credit Companion℠, CBNA StashUp℠, Budget Tools, Direct Deposit, Zelle, and Apple/Google/Samsung Pay mobile wallet support).

Revenue is generated through a traditional bank mix: net interest income from the spread between loan yields (mortgages, personal, business, CRE, agricultural, dealer floor plan) and deposit costs; non-interest income from deposit account fees, overdraft, ATM, card transaction, merchant processing, and treasury management; advisory fees from wealth management delivered through subsidiary Nottingham Financial Group; and referral/affiliate revenue from insurance (OneGroup) and retirement plan administration (BPAS). Go-to-market is hybrid — community-led branch and relationship management combined with direct-to-consumer digital onboarding and self-service. The bank received USA Today America's Best Customer Service in Financial Services and Forbes America's Best Banks recognition in 2026. No AI/ML capabilities, patents, or proprietary models are disclosed in the input.

Name

Community Bank

Legal name

Community Bank, N.A.

Website

https://cbna.com

Company type

Private

Founded year

1866

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Community Bank, N.A. is a regionally chartered, FDIC-insured commercial bank serving consumer, small business, agricultural, and government customers across New York, Pennsylvania, and Vermont with deposits, mortgages, commercial loans, wealth management, insurance, and digital banking services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Retail banking services
• Commercial lending
• Mortgage financing
• Wealth management
• Treasury management solutions

Headquarters

HQ city

Dewitt

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Traditional banking revenue from spread between interest earned on loans (mortgages, personal loans, business loans, commercial real estate) and interest paid on deposits (checking, savings, CDs, money market accounts, IRAs).
2. Non-Interest Income: Fees from deposit account maintenance, overdraft fees, ATM fees, credit card transaction fees, merchant processing services, treasury management fees, and wealth management services.
3. Wealth Management Services: Investment and financial advisory services through partnership with Nottingham Financial Group, generating advisory fees and commissions.
4. Insurance & Related Services: Referral fees and partnerships with OneGroup for insurance products (auto, home, business insurance) and BPAS for retirement plan administration.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Community Bank, N.A. is a full-service regional bank operating across New York, Pennsylvania, and Vermont, providing personal and business banking products including checking and savings accounts, certificates of deposit, IRAs, HSAs, mortgages, home equity loans, credit cards, personal loans, and lines of credit. For businesses, it offers treasury management, merchant processing, online payroll, business loans, commercial real estate financing, debt capital markets, agricultural loans, government banking, and dealer services. Wealth management and investment advisory services are delivered through partner Nottingham Financial Group, and insurance products through OneGroup.

Product overview

Community Bank, N.A. is a full-service regional financial institution offering a comprehensive platform of banking products and services. The portfolio includes personal banking (checking accounts including Carefree Checking℠, 50 Direct Checking, Premium Interest Checking, and CBNA Simply Checking℠; savings accounts including Certificates of Deposit, Money Market Accounts, IRAs, and HSAs; home lending including Conventional Mortgages, No Closing Cost Mortgages, First-Time Homebuyers programs, Affordable Housing Programs, and Home Equity products; plus Credit Cards, Personal Loans, and Lines of Credit); a digital banking platform (Online & Mobile Banking) with add-on modules including CBNA Credit Companion℠, Mobile Wallet (Apple Pay/Google Pay/Samsung Pay), Budget Tools, Direct Deposit, CBNA StashUp℠, and Zelle; business banking (checking and savings products, Treasury Management Solutions, Merchant Processing Services, Autobooks invoicing, Online Payroll, Business Loans, Commercial Real Estate, Debt Capital Markets, Agricultural/Farm Loans, Government Banking, and Dealer Services); and wealth management through partner Nottingham Financial Group. The bank differentiates through its community-focused service model, digital banking tools, and specialized lending programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Carefree Checking A personal checking account designed for fee-free or minimal-fee everyday banking for individual consumers.
• 50 Direct Checking A personal checking account targeted at direct deposit customers, structured around a $50 monthly direct deposit requirement.
• Premium Interest Checking An interest-bearing premium checking account offering enhanced features for customers seeking to earn returns on deposits.
• CBNA Simply Checking A streamlined personal checking account offering essential features and minimal requirements.
• Certificates of Deposit Time deposit accounts offering fixed interest rates for specified terms for personal savers.
• Money Market Accounts Personal savings accounts offering competitive interest rates with limited check-writing privileges.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings accounts including Traditional and Roth IRA options for individuals.
• Conventional Mortgage Products Standard mortgage products including fixed-rate and adjustable-rate options for home purchases and refinances.
• First-Time Homebuyers Program Specialized mortgage program with educational resources and favorable terms designed for first-time homebuyers.
• Affordable Housing Programs Community lending programs offering down payment assistance and favorable terms for qualifying borrowers in affordable housing.
• Home Equity Loans & Lines of Credit Credit products secured by the borrower's home equity for various personal financial needs.
• Credit Cards Consumer credit card products offering rewards, low introductory rates, and bonus offers for individuals.
• Personal Loans Unsecured personal loans for personal use with fixed rates starting at 7.49% APR with auto pay.
• Personal Lines of Credit Revolving personal credit accounts providing flexible access to funds as needed.
• Online & Mobile Banking Digital banking platform enabling customers to manage accounts, make transfers, pay bills, and deposit checks via web and mobile applications.
• Treasury Management Solutions Cash management and treasury services for businesses including liquidity management and payment processing.
• Merchant Processing Services Payment processing solutions enabling businesses to accept card transactions from customers.
• Online Payroll Services Payroll processing services for business customers to manage employee compensation.
• Business Loans Commercial lending products for business expansion, equipment, and operational financing.
• Commercial Real Estate (CRE) Financing Commercial real estate financing for property acquisition, development, and refinancing.
• Debt Capital Markets Capital markets services for businesses seeking debt financing through various instruments.
• Farm Loans Specialized agricultural lending products for farms and agricultural operations.
• Government Banking Banking services tailored for government entities and public sector organizations.
• Dealer Services Specialized banking services for automotive and equipment dealers including floor plan financing.
• Wealth Management (Nottingham Financial Group) Wealth management and investment advisory services delivered through wholly-owned subsidiary Nottingham Financial Group.

Quantifiable outcome

• Penguin Plunge raised over $585,000 for Special Olympics Vermont

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Nottingham Financial GroupcoreStrategic or Co-development PartnerWealth management and investment advisory partnership providing investment services and financial planning to Community Bank customers through integrated offerings.
• BPAScoreStrategic or Co-development PartnerPartnership providing workplace retirement plans, actuarial and pension services, and health and welfare plans (including VEBA, HRA/HSA administration) for business banking customers.
• OneGroupcoreChannel Partner/ Reseller/ DistributorInsurance partner offering personal insurance (automobile, homeowners), business insurance (property, casualty, risk management) through referral and distribution arrangement.
• ZellecoreTechnology or IntegrationReal-time payment service integration enabling customers to send and receive money directly through the bank's digital banking platforms.
• United WayminorGTM or Marketing PartnerAnnual charitable partnership where employees across CFSI come together to support United Way and local nonprofit organizations that strengthen the communities served.
• Special Olympics VermontminorGTM or Marketing PartnerEvent sponsorship partnership for the annual Penguin Plunge, raising over $585,000 for Special Olympics Vermont programs.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Northwest Bank (Northwest Bancshares): Northwest Bank is a PA-headquartered community bank with branches across PA, NY, and OH, offering deposit, mortgage, and commercial lending — highly comparable in geography and product set to Community Bank, N.A.
• S&T Bank: S&T Bank is a Western PA-based community bank offering consumer and business banking, treasury management, and wealth services — overlapping with Community Bank's PA footprint and product model.
• NBT Bank (NBT Bancorp): NBT Bancorp is a Upstate New York-based community bank with branches across NY, PA, VT, and surrounding states offering consumer, business, and wealth management services — directly comparable in geography, scale, and product mix to Community Bank, N.A.
• F.N.B. Corporation: F.N.B. Corporation operates a regional bank across PA, NY, OH, and adjacent states, offering consumer, commercial, and wealth management services — comparable as a larger but still regional community-style competitor.
• Tompkins Financial Corporation: Tompkins Financial is a NY and PA-focused community bank holding company with consumer, commercial, and wealth management businesses, serving overlapping geographies and customer segments as Community Bank, N.A.
• Berkshire Hills Bancorp: Berkshire Hills Bancorp operates Berkshire Bank across the Northeast, offering consumer, business, and wealth services — comparable in regional scope and product breadth to Community Bank, N.A.
• Trustco Bank (Trustco Bancorp): Trustco Bank is a NY-headquartered community bank offering deposit, mortgage, and consumer lending products across the Northeast with a similar relationship-banking model to Community Bank, N.A.

Broad incumbents

• KeyBank: KeyBank is a large regional bank with a significant Northeast presence including NY and PA, offering consumer, commercial, and wealth products — competes for the same SMB and consumer customers as Community Bank but with national scale.
• Citizens Financial Group: Citizens Financial Group operates a major regional bank across the Northeast including NY and PA with consumer, business, and wealth services — overlaps with Community Bank's footprint as a much larger incumbent competitor.
• M&T Bank: M&T Bank is a large Northeast regional bank with branches across NY, PA, and surrounding states offering full-service consumer, commercial, and wealth management — operates in overlapping geographies but at significantly larger scale than Community Bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/communitybankna

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Bank