CBNA

What CBNA does

Community Bank, N.A. (CBNA) is a privately held, FDIC-insured National Association chartered community bank operating a full-service retail and commercial banking franchise across New York, Pennsylvania, and Vermont. The institution was constituted in 2019 (with firmographic references to 1866 lineage, suggesting historical continuity through a Santander-era predecessor brand) and serves five primary customer segments: retail/personal banking consumers, small businesses, mid-to-large commercial enterprises, agricultural operations, and government/municipal entities, with a secondary wealth management offering through its Nottingham Financial Group partnership. The bank employs 101-250 staff distributed across its branch network and digital operations.

The product portfolio is broad and vertically integrated, spanning deposit products (Carefree Checking, 50 Direct Checking, Premium Checking, Simply Checking, savings, CDs, money market, IRA, HSA), consumer lending (mortgages including a no-closing-cost product, home equity loans/LOC, personal loans, credit cards, lines of credit), and commercial services (business checking/savings, treasury management, merchant processing, business credit cards, online payroll, commercial real estate, debt capital markets, agricultural and government banking). Wealth management and investment advisory are delivered through the Nottingham Financial Group partnership, while insurance and retirement benefits are accessed via OneGroup and BPAS partnerships respectively. Technology is built on conventional core banking infrastructure augmented with a digital banking platform (online and mobile), a self-serve mortgage application portal, and proprietary consumer tools — CBNA StashUp for goal-based automated savings and CBNA Credit Companion for credit monitoring — supported by integrations with Zelle (peer-to-peer payments), Apple Pay, Google Pay, and Autobooks (small business invoicing and accounting).

Revenue is generated through a traditional bank mix: net interest income from the lending book (mortgages, consumer loans, commercial loans, agricultural loans, lines of credit) is the primary stream, supplemented by deposit account fees, credit card interchange, treasury management and merchant processing fees, and wealth advisory fees routed through Nottingham Financial Group. Pricing is unit-based and publicly disclosed for consumer lending (auto loans starting at 6.19% APR, personal loans at 7.49% APR for qualified borrowers), with subscription-style monthly maintenance on checking accounts. Distribution combines a physical branch network across NY/PA/VT with self-serve digital channels and partner-led channels (Autobooks, mortgage portal), targeting a diversified retail and SMB book with no disclosed anchor customer concentration.

Name

CBNA

Legal name

Community Bank, N.A.

Website

https://cbna.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Community Bank, N.A. (CBNA) is a privately held, FDIC-insured community bank offering full-service personal, small business, commercial, agricultural, and government banking across New York, Pennsylvania, and Vermont through a branch network and digital platform, with wealth management via Nottingham Financial Group.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ), Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Public Sector Retail Banks (State-Owned Commercial Banks) (FSABAKAL)

Keywords

• Community banking
• Commercial lending
• Agricultural banking
• Treasury management
• Wealth management services

Headquarters

HQ city

Canton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Revenue generated from lending activities including mortgages, personal loans, auto loans, home equity loans, and commercial/business loans
2. Deposit Account Fees: Fee income from checking accounts, savings accounts, certificates of deposit, and money market accounts
3. Credit Card Revenue: Interchange fees and interest income from credit card products including Complete Rewards Visa Signature card
4. Treasury Management Services: Fee-based services for business customers including merchant processing, online invoicing, and payroll services
5. Wealth Management: Investment and financial advisory services through Nottingham Financial Group partnership

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Community Bank, N.A. (CBNA) is a regional community bank that accepts deposits and extends credit to consumers, small businesses, commercial enterprises, agricultural operations, and government entities across upstate New York, northern Pennsylvania, and Vermont. Its product range spans personal checking, savings, money market, CDs, IRAs, HSAs, mortgages, home equity, personal loans, and credit cards, together with business checking, business savings, treasury management, merchant processing, business credit cards, commercial real estate, business loans and lines of credit, agricultural banking, government banking, and dealer services. Wealth management is delivered through its subsidiary Nottingham Financial Group, and digital channels include online and mobile banking with Zelle and a digital mortgage application portal.

Product overview

Community Bank, N.A. (CBNA) is a full-service regional bank offering a comprehensive portfolio of personal and business banking products. The bank operates a unified banking platform with multiple product lines including personal checking and savings accounts (Carefree Checking, 50 Direct Checking, Premium Checking, Simply Checking, CDs, Money Market, IRA, HSA), mortgage products (conventional mortgages, no closing cost mortgages, home equity loans/LOC, first-time homebuyer programs, affordable housing programs), personal lending (credit cards, personal loans, lines of credit), and digital banking services (online/mobile banking, CBNA Credit Companion, Budget Tools, StashUp automated savings, Zelle P2P payments). Business banking offerings include checking and savings accounts, treasury management solutions, merchant processing services, Autobooks accounting platform integration, business credit cards, online payroll, and various business lending products (commercial real estate, debt capital markets, agricultural loans, government banking). Wealth management is provided through the Nottingham Financial Group partnership. Security offerings include online security, identity theft protection, and debit card security resources. The bank serves customers in New York, Pennsylvania, Vermont, and Massachusetts with FDIC insurance and Equal Housing Lender designations.

Differentiator

Problem solved

Functional benefit

Brands

• CBNA StashUp℠: Automated savings tool that helps organize savings by priority and tracks progress automatically toward savings goals.
• CBNA Credit Companion℠
• Carefree Checking℠
• CBNA Simply Checking℠

Products and services

• Personal Checking Accounts (Carefree, 50+ Direct, Premium, Simply) Tiered consumer demand-deposit accounts targeted at different household segments (general, 50+, premium balance relationship, and simple low-fee), used for everyday deposits, payments, debit card issuance, and bill pay via online and mobile banking.
• Personal Savings, Money Market, CDs, IRAs, and HSAs Consumer savings, money market, certificate of deposit, individual retirement account, and health savings account products that provide interest-bearing deposit options for households' liquid, intermediate, retirement, and healthcare savings needs.
• Mortgage Loans Fixed- and adjustable-rate residential mortgage products for home purchase and refinance, originated through CBNA's digital mortgage application portal and a network of in-house mortgage originators across the bank's footprint.
• Home Equity Loans and Lines of Credit Closed-end home equity loans and revolving home equity lines of credit secured by owner-occupied residential property, used for home improvement, debt consolidation, and other household financing needs.
• Personal Loans, Lines of Credit, and Credit Cards Unsecured personal installment loans, personal lines of credit, and Mastercard credit cards for consumer borrowing, point-of-sale spending, and credit-building needs.
• Online and Mobile Banking with Zelle Digital banking service delivered through CBNA's online portal and mobile application enabling account access, bill pay, person-to-person payments via Zelle, mobile wallet, and remote deposit for both consumer and business customers.
• Business Checking and Savings Accounts Business demand deposit, money market, and savings accounts designed for small and mid-sized businesses, including integrated business online banking access.
• Treasury Management Solutions Cash management services including ACH origination, wire transfers, positive pay, remote deposit, lockbox, and liquidity management tools sold to business, commercial, and government clients to optimize working capital and payment operations.
• Merchant Processing Services Card acceptance and payment processing solutions for small and mid-sized business merchants, including in-person, online, and integrated Online Payroll offerings, combined with merchant relationship management.
• Business Credit Cards Mastercard-branded business credit cards providing working-capital lines, employee card controls, and spend management reporting for small and mid-sized business clients.
• Business Loans and Lines of Credit Term loans and revolving lines of credit extended to small and mid-sized businesses for working capital, equipment financing, expansion, and general corporate purposes.
• Commercial Real Estate Lending Acquisition, construction, refinance, and permanent financing for income-producing and owner-occupied commercial real estate projects originated through CBNA's commercial real estate team.
• Debt Capital Markets Services Capital raising, syndications, and structured debt solutions provided to commercial clients through CBNA's debt capital markets desk, supporting larger and more complex financing transactions.
• Agricultural Banking Dedicated lending, deposit, and cash management services for farm and agribusiness operations, including operating lines, equipment loans, real estate financing, and related deposit products tailored to seasonal agricultural cash flows.
• Government Banking Deposit, treasury management, and lending services tailored to municipalities, counties, school districts, and other government entities within CBNA's footprint, supporting public-funds compliance and operational banking.
• Dealer Services Floor-plan financing, inventory lending, and related deposit services for auto, marine, RV, and other dealership clients operating within CBNA's geographic footprint.
• Wealth Management through Nottingham Financial Group Investment advisory, financial planning, retirement, and estate services delivered to consumer and small-business clients through CBNA's wholly owned wealth subsidiary Nottingham Financial Group.

Quantifiable outcome

• No closing cost mortgages available - eliminates typical lender fees
• +3 more outcomes

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• AutobookscoreTechnology or IntegrationCommunity Bank partnered with Autobooks to provide business customers with a flexible payment and accounting services platform. The platform is designed for freelancers, micro-enterprises, and small businesses, enabling online payment collection, invoicing, cash flow management, and automated accounting. Customers signing up receive a 30-day waiver of the $9.99 monthly fee.
• Nottingham Financial GroupcoreStrategic or Co-development PartnerWealth management and financial advisory services offered through partnership with Nottingham Financial Group, providing investment management and financial strategy services to bank customers.
• BPASminorOthersBenefits and retirement plan services referenced as a partner in the Our Partners section for wealth management services.
• OneGroupminorOthersInsurance and risk management services referenced as a partner for business insurance and property/casualty coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Webster Bank: WBS is a larger commercial bank operating across the Northeast US with consumer, commercial, and wealth management lines — broader portfolio and larger scale than CBNA but overlapping core customer segments.
• M&T Bank: MTB is a large super-regional bank headquartered in Buffalo, NY with deep presence across New York, Pennsylvania, and the broader Northeast — directly competes with CBNA in the same geographies but with substantially larger scale and product breadth.
• KeyCorp: KEY is a major regional bank with significant presence across New York, Pennsylvania, and Vermont — competing with CBNA in retail, commercial, and SMB banking from a substantially larger balance sheet.
• Citizens Financial Group: CFG is a large regional bank with significant presence across the Northeast US — competes with CBNA broadly in consumer, commercial, and wealth management from a substantially larger scale.

Direct peers

• Berkshire Hills Bancorp: BHLB operates a Northeast community bank franchise across New England and New York with consumer, commercial, and wealth management — directly comparable in geography and product mix.
• Trustco Bank (Trustco Holdings): TRST is a New York-headquartered community bank focused on retail deposit gathering and residential lending with branches across NY, PA, VT, and beyond — comparable core product set and Northeast US footprint.
• Community Bank System: CBU is a multi-state community bank operating across Upstate New York, Pennsylvania, Vermont, and Massachusetts with consumer, commercial, and wealth management lines — a near-direct comparable to CBNA in scale, geography, and product mix.
• NBT Bancorp: NBTI is a regional bank headquartered in Norwich, NY with branches across New York, Pennsylvania, Vermont, and Massachusetts offering consumer, commercial, and wealth services — closely comparable in footprint and customer profile to CBNA.
• S&T Bancorp: STBA is a Pennsylvania-based community bank with consumer, commercial, and wealth management lines — directly comparable to CBNA's Pennsylvania operations and similar customer profile.
• Tompkins Financial: TMP operates a community banking franchise across New York and Pennsylvania with consumer, commercial, and wealth management — directly overlapping CBNA's footprint and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC-WuP9P25fp3_MS6yQCiM9w
• LinkedInlinkedin.com/company/community-bank-n-a-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about CBNA