Community Bank

What Community Bank does

Community Bank, N.A. (CBNA) is a full-service, FDIC-insured commercial bank and subsidiary of Community Financial System, Inc. (CFSI), serving personal and business customers across the Northeastern United States. The bank distributes through a branch-based, relationship-driven sales motion supplemented by digital channels (online and mobile banking, a customer care center at 1-866-764-8638, and the MortgageWebCenter online application). Product breadth spans consumer banking (multiple checking products including Carefree Checking, 50 Direct, Premium, and CBNA Simply Checking; savings, CDs, money market, IRAs, HSAs), home loans (mortgages, no closing cost mortgages, affordable housing programs, home equity), consumer credit (Complete Rewards Visa Signature card, personal loans, auto loans, lines of credit), and business banking (treasury management, merchant processing, Autobooks online invoicing, online payroll, business loans, commercial real estate, debt capital markets). Wealth management is delivered through the Nottingham Financial Group partnership.

The bank's technology stack centers on a digital banking platform supporting transfers, bill payments, mobile deposits, and account management on web and mobile. Differentiated proprietary tools include CBNA StashUp (automated goal-based savings) and CBNA Credit Companion (credit management and tracking), alongside standard integrations with Zelle for P2P payments and mobile wallets (Apple Pay, Google Pay, Samsung Pay, PayPal). Customer self-service is powered by Engageware technology, and business customers access embedded fintech tooling via Autobooks and online payroll integrations.

CBNA earns revenue primarily through net interest income on its consumer, mortgage, and commercial loan books, complemented by fee income from deposit accounts, credit card interchange on the Complete Rewards Visa Signature card, treasury management and merchant processing fees, and wealth management fees from Nottingham Financial Group. Pricing is transparent and unit-based: auto loans starting at 6.19% APR and unsecured personal loans at 7.49% APR for qualified borrowers, $0 closing cost mortgages, and up to 5x points on the credit card. Customer acquisition blends physical branch presence, community engagement (annual United Way partnership), content marketing (Bank Happy Blog, financial literacy hub), and social media, with awards from USA Today (America's Best Customer Service in Financial Services 2026) and Forbes (America's Best Banks 2026) reinforcing brand positioning.

Name

Community Bank

Legal name

Community Bank, N.A.

Website

https://communitybankna.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Community Bank, N.A. is an FDIC-insured, full-service community bank and subsidiary of Community Financial System, Inc. (CFSI) serving personal, small business, and wealth management customers across the Northeastern United States through branches, online and mobile banking, and partner-led wealth services.

Ownership category

akta.pro rank

Headquarters

HQ city

Grove

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income - Consumer Loans: Interest income from personal loans including auto loans, mortgages, home equity loans, and personal credit lines. Auto loan rates starting at 6.19% APR, personal loans at 7.49% APR for qualified borrowers.
2. Interest Income - Mortgage Lending: Revenue from mortgage originations including no closing cost mortgages and affordable housing programs. Interest income earned on held mortgages and fees from mortgage banking activities.
3. Interest Income - Business & Commercial Loans: Commercial real estate loans, business loans, lines of credit, and debt capital markets products for business customers.
4. Deposit Account Fees & Service Charges: Fee income from checking accounts, savings accounts, money market accounts, and IRA accounts including overdraft fees and maintenance charges.
5. Credit Card Revenue: Interchange fees from Complete Rewards Visa Signature Card offering up to 5x points per dollar spent.
6. Treasury Management & Business Services: Fees from treasury management solutions, merchant processing services, online invoicing (Autobooks), and online payroll services for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Community Bank, N.A. is a full-service commercial bank offering deposit accounts, consumer and commercial loans, residential mortgages, credit cards, treasury management, merchant card processing, and wealth management/investment services to individuals and businesses across its branch footprint. As the banking subsidiary of Community Financial System, Inc. (CFSI), it operates a traditional community bank model supplemented by digital banking, mobile, and person-to-person payment channels.

Product overview

Community Bank, N.A. is a full-service financial institution offering a comprehensive suite of banking products and services for individuals and businesses. The bank's product portfolio spans personal banking (checking accounts including Carefree Checking℠, 50 Direct Checking, Premium Checking, and CBNA Simply Checking℠; savings products including CDs, money market accounts, IRAs, and HSAs; home loans including mortgages, no closing cost mortgages, affordable housing programs, and home equity products; credit cards and personal loans), business banking (treasury management, merchant processing, online invoicing via Autobooks, online payroll, business loans, commercial real estate financing, and debt capital markets), and digital banking services (online and mobile banking, CBNA Credit Companion℠, CBNA StashUp℠, Budget Tools, Direct Deposit, and Zelle®). The bank also offers wealth management through Nottingham Financial Group. The bank emphasizes mobile wallet support via Apple Pay and Google Pay, and was recognized by USA Today as America's Best Customer Service in Financial Services 2026 and Forbes as one of America's Best Banks 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Carefree Checking℠: Checking account product with enhanced features
• CBNA Simply Checking℠
• CBNA Credit Companion℠
• CBNA StashUp℠
• Complete Rewards® Visa Signature® Card

Products and services

• Personal Checking Accounts Consumer demand deposit accounts with debit card access, online/mobile banking, bill pay, and Zelle person-to-person payments for individual households.
• Personal Savings and Money Market Accounts Interest-bearing consumer deposit products including statement savings, money market, and certificates of deposit (CDs) for individual customers.
• Personal Credit Cards Consumer revolving credit card products with rewards and digital card controls for individual cardholders.
• Consumer Loans (Auto, Personal, Home Equity) Installment and secured consumer credit products for personal, vehicle, and home equity financing needs of individual borrowers.
• Residential Mortgage Loans First-lien home purchase and refinance mortgages originated and serviced by the bank for individual homebuyers.
• Business Checking and Savings Accounts Commercial deposit accounts for small businesses and middle-market clients, including analysis-based checking and business savings.
• Commercial Lending Working capital lines of credit, term loans, equipment financing, and commercial real estate loans for business borrowers within the bank's footprint.
• Treasury Management Services Cash management, ACH, wire, remote deposit, and liquidity tools provided to business clients to manage working capital and payables/receivables.
• Merchant Card Processing Card acceptance and payment processing services for retail and service businesses, integrated with business deposit accounts.
• Wealth Management and Investment Services Investment, advisory, and trust/wealth planning services offered to individuals and businesses through the bank's wealth management division.

Quantifiable outcome

• No closing costs on mortgages can save borrowers thousands in upfront fees

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Nottingham Financial GroupcoreStrategic or Co-development PartnerPartnership for wealth management and investment services, providing customers with comprehensive financial planning, investment strategy, and wealth preservation solutions.
• BPASminorOthersBPAS provides actuarial and pension services as part of the Community Financial System (CFSI) ecosystem of companies.
• OneGroupminorOthersOneGroup provides health and welfare plans as part of the Community Financial System (CFSI) ecosystem, offering employee benefits solutions.
• United WaycoreGTM or Marketing PartnerAnnual partnership for community fundraising and volunteering. Employees across CFSI come together each year to support United Way and local nonprofit organizations that strengthen the communities served.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Berkshire Hills Bancorp (Berkshire Bank): Mid-size regional bank serving the Northeast US with comparable consumer and business banking products. The most direct peer by geography, asset scale, and product mix.
• S&T Bancorp: Pennsylvania-based community bank with consumer and commercial banking. Similar size and community-oriented banking model with regional concentration.
• Fulton Financial Corporation: Mid-Atlantic regional bank with comparable consumer and commercial banking products. Similar size and full-service bank model with branch-led distribution.
• NBT Bancorp: Community-focused regional bank operating across upstate New York and the broader Northeast with consumer, commercial, and wealth services. Comparable size, geography, and full-service positioning.
• Tompkins Financial Corporation: Upstate New York-based community bank with consumer, business, and wealth management lines. Closely comparable regional Northeast bank with similar relationship-driven model.
• Trustco Bank Corp NY: Upstate New York and regional community bank with consumer mortgages and deposit products. Comparable community bank model with traditional retail banking focus.
• Webster Financial Corporation (Webster Bank): Regional bank with strong Northeast presence including commercial banking, HSA specialization, and consumer products. Comparable scale and product breadth.

Broad incumbents

• M&T Bank Corporation: Large regional bank with deep Northeast US presence across consumer, commercial, and wealth lines. Larger incumbent competing for the same Northeast customers and deposit pools.
• Citizens Financial Group: Large regional bank with major Northeast US presence across consumer, business, and wealth segments. Larger incumbent directly competing for the same customer base.
• KeyBank (KeyCorp): Large regional bank with significant Northeast US branch network and commercial banking franchise. Competes for both retail and business banking customers in overlapping markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC-WuP9P25fp3_MS6yQCiM9w
• Facebookfacebook.com/grandsavingsbank

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A4 records

Investments3 records

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

Frequently asked questions about Community Bank