The Community Bank

What The Community Bank does

Community Bank, N.A. (CBNA) is a privately held, federally chartered national banking association headquartered in Syracuse, NY, operating across a five-state Northeastern footprint (New York, Pennsylvania, Vermont, New Hampshire, and Massachusetts) through 200+ branch and Loan Production Office locations and a digital banking platform spanning web and native iOS/Android applications. The bank offers a full-service product suite across consumer (checking, savings, mortgages, home equity, personal loans, credit cards, wealth management), small business (Premier Business Connect, Autobooks invoicing, merchant processing, online payroll, treasury management), commercial (CRE, debt capital markets, lines of credit), agricultural, and government banking segments, with licensed wealth advisory via Nottingham Financial Group and LPL Financial, retirement administration via BPAS, and insurance referral via OneGroup.

The revenue model is anchored in net interest income from a diversified loan portfolio (mortgages, home equity, commercial real estate, business, personal, agricultural), supplemented by deposit account fees and service charges, treasury management and merchant processing fees, credit card interchange and interest, wealth and insurance referral commissions, and brokerage/advisory revenue via LPL Financial. Pricing is disclosed through a published fee schedule and product-level rate cards (e.g., 7.49% Fixed APR personal loans, $0 closing cost mortgages); mobile and online banking are delivered free to account holders under a freemium pricing posture. Go-to-market is direct-to-consumer and direct-to-business via the branch network, complemented by telebanking, Loan Production Offices for commercial and mortgage originations, and digital self-serve channels.

Name

The Community Bank

Legal name

Community Bank, N.A.

Website

https://communitybank.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Bank, N.A. is a privately held, FDIC-insured regional bank serving consumer, small-business, commercial, agricultural, and government customers across New York, Pennsylvania, Vermont, New Hampshire, and Massachusetts through 200+ branches and a full digital banking platform offering deposits, lending, treasury, and wealth services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Student & Youth Banking (FSABAAAH)

Keywords

• Retail banking services
• Commercial lending
• Community banking
• Digital banking platform
• Wealth management services

Headquarters

HQ city

Syracuse

HQ country

United States

HQ region

North America

Offices13 records

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: Interest income from loan portfolio including mortgages, personal loans, business loans, commercial real estate loans, and consumer credit. The bank offers mortgage products, no closing cost mortgages, home equity loans and lines of credit, personal loans, vehicle loans, and business lending products.
2. Deposit Account Fees and Service Charges: Fees associated with checking and savings accounts, including maintenance fees, overdraft fees, and service charges disclosed in the bank's fee schedule.
3. Treasury Management Services: Cash management, merchant processing services, payroll processing, and other commercial banking services for business customers.
4. Wealth Management Services: Investment services offered through partnership with Nottingham Financial Group and LPL Financial for brokerage and advisory services.
5. Credit Card Revenue: Income from credit card products including interchange fees and interest charges.
6. Insurance and Referral Revenue: Commission income from insurance product referrals through OneGroup partnerships and workplace retirement plan services through BPAS.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels12 records

Core offering

Community Bank, N.A. is a full-service community bank providing deposit accounts (checking, savings, CDs, money market, IRAs, HSAs), consumer and commercial lending products (mortgages, home equity, personal loans, business loans, commercial real estate, debt capital markets), credit cards, treasury management, merchant processing, wealth management, and insurance referral services. The bank distributes these offerings through 200+ branches and Loan Production Offices across five Northeastern states and a digital banking platform accessible via web and mobile applications.

Product overview

Community Bank, N.A. operates as a full-service regional financial institution offering a comprehensive suite of banking products and services across personal, business, and commercial segments. The core digital banking platform consists of Online and Mobile Banking, supplemented by specialized tools including CBNA Credit Companion for credit monitoring and CBNA StashUp for automated savings. Personal banking includes multiple checking account variants (Carefree Checking, 50 Direct Checking, Premium Checking, Simply Checking), savings products (Certificates of Deposit, Money Market Accounts, IRAs, Health Savings Accounts), home lending (Mortgage Products with No Closing Cost options, Home Equity Loans and Lines of Credit, Affordable Housing Programs), and unsecured credit (Personal Loans, Credit Cards). Business services are delivered through Premier Business Connect platform plus Treasury Management, Merchant Processing, Autobooks invoicing, Online Payroll, and specialized lending (Business Loans, Commercial Real Estate, Debt Capital Markets). Additional offerings include Securities-Based Line of Credit, Budget Tools, Mobile Wallet support, Direct Deposit, Greenlight children's debit card, and CBNA Private Client wealth services.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking account products including fee-free Carefree Checking, digital-first 50 Direct Checking, Premium Checking for higher-balance customers, and CBNA Simply Checking for essential banking at minimal cost. Targeted at individual consumers in the bank's five-state service territory.
• Savings, CDs, Money Market, IRAs, and HSAs Savings products for personal customers including Certificates of Deposit (fixed-term deposits with guaranteed returns), Money Market Accounts (interest-bearing with limited check writing), IRAs (Traditional and Roth retirement accounts), and Health Savings Accounts (tax-advantaged for high-deductible health plan holders).
• Mortgage Products Home loan products including fixed-rate and adjustable-rate mortgages for home purchases and refinances, with a No Closing Cost Mortgage option ($0.00 in closing costs for qualified borrowers) and Affordable Housing Programs for first-time and low-to-moderate income borrowers.
• Home Equity Loans and Lines of Credit Loans and revolving credit lines secured by home equity, available as lump-sum home equity loans or revolving home equity lines of credit for home improvements and other consumer financing needs.
• Personal Loans and Lines of Credit Unsecured personal loans offered at a 7.49% Fixed APR promotional rate with auto pay, used for debt consolidation, home improvements, and major purchases, plus personal lines of credit for personal borrowing needs.
• Credit Cards Visa credit cards for personal and business customers featuring rewards, low introductory rates, and bonus offers.
• Business Checking and Savings Business checking and savings accounts designed for small-to-medium-sized businesses across the bank's service territory.
• Business Loans, Lines of Credit, and Commercial Real Estate Lending Commercial lending products including term loans and lines of credit for business operations and growth, plus Commercial Real Estate (CRE) financing for acquisition, development, and refinancing of commercial property.
• Debt Capital Markets Structured financing solutions for larger commercial borrowing needs beyond standard term loans, including debt capital markets solutions for mid-market and larger corporate clients.
• Treasury Management Solutions Cash management services for business customers including lockbox processing, Zero Balance Accounts, Loan Sweep accounts, and ACH Positive Pay for fraud protection.
• Merchant Processing Services Payment processing services enabling businesses to accept credit and debit card payments.
• Online Payroll and Autobooks Invoicing Online payroll processing for business customers to manage employee compensation and tax withholding, paired with the Autobooks online invoicing and accounting platform that integrates with Premier Business Connect to send invoices, accept payments, and manage receivables.
• Online and Mobile Banking Digital banking platform enabling customers to access accounts, make transfers, pay bills, deposit checks remotely via mobile deposit, and manage finances from desktop or mobile devices. Native iOS and Android applications.
• Premier Business Connect Business online banking platform providing account management, reporting, ACH capabilities, treasury management features, and positive pay fraud protection, with integration to business tools including Autobooks.
• CBNA Private Client Wealth Management Premium banking service for high-net-worth individuals and families offering enhanced features, personalized service, and integrated wealth advisory delivered through partnerships with Nottingham Financial Group and LPL Financial (FINRA/SIPC).
• Securities-Based Line of Credit (SBLOC) Credit line secured by customer investment portfolios, providing tax-efficient liquidity without forcing asset sales, offered at competitive rates to wealth management and investment customers.
• Insurance Referrals (Personal, Business, Risk Management, P&C) Referral-based insurance services covering personal auto and home insurance, business insurance, risk management, and property & casualty coverage delivered through OneGroup's insurance advisors.
• Workplace Retirement Plans and Actuarial/Pension Services Workplace retirement plans, VEBA, HRA, and HSA administration services, plus actuarial and pension services for business customers, delivered through BPAS partnership.

Quantifiable outcome

• No Closing Cost Mortgages available - $0.00 in closing costs for qualified borrowers
• +1 more outcomes

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature11 records

Partnerships

Six partnerships are on record, tiered core and major.

• Nottingham Financial GroupcoreStrategic or Co-development PartnerWealth management partnership providing investment services, financial planning, and wealth advisory services to Community Bank customers through Nottingham Financial Group's advisors.
• BPAScoreStrategic or Co-development PartnerActuarial, pension, and employee benefits administration services partnership providing workplace retirement plans, VEBA, HRA, and HSA administration services for business customers.
• OneGroupcoreStrategic or Co-development PartnerInsurance services partnership offering personal insurance (auto, home), business insurance, risk management, and property & casualty coverage through OneGroup's insurance advisors.
• LPL Financial LLCcoreTechnology or IntegrationInvestment services platform providing brokerage and advisory services. LPL is member FINRA/SIPC and provides the infrastructure for Community Bank's investment product offerings.
• ZellecoreTechnology or IntegrationReal-time payment network enabling customers to send and receive money quickly and securely through the bank's digital banking platforms.
• United WaymajorGTM or Marketing PartnerAnnual community giving campaign partnership where Community Bank employees support United Way and local nonprofit organizations across the bank's service footprint.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Community Financial Systems Inc. Community Financial Systems Inc. is the publicly traded holding company affiliated with Community Bank, N.A. (cbna.com investor relations links to ir.cfsi.com). It is the most directly comparable entity given the overlapping banking operations and ownership relationship.

Broad incumbents

• NBT Bancorp: NBT Bancorp operates a multi-state community bank franchise across Upstate New York, Pennsylvania, Vermont, and Massachusetts with comparable loan, deposit, and wealth management products. It is a direct competitor in CBNA's primary Northeast footprint.
• Berkshire Hills Bancorp: Berkshire Bank is a regional community bank serving the Northeast with full-service retail, business, and wealth management offerings. It competes directly in Massachusetts and Vermont with CBNA's footprint.
• M&T Bank: M&T Bank is a major regional bank serving New York, Pennsylvania, Massachusetts, and other Northeast markets. Its community banking focus and commercial lending offerings directly overlap with CBNA's value proposition.
• TrustCo Bank Corp NY: Trustco Bank is a NY-based community bank focused on personal and small business banking. Geographic overlap with CBNA's New York footprint makes it a relevant comparable for retail and consumer lending.
• S&T Bancorp: S&T Bank is a Pennsylvania-based community bank with retail, commercial, and wealth management services. It is a comparable mid-sized regional bank operating in CBNA's key Pennsylvania markets.
• Citizens Financial Group: Citizens Bank operates a large regional bank network across the Northeast, including New York, Pennsylvania, Massachusetts, and New Hampshire. It competes with CBNA in personal, small business, and commercial banking.
• KeyBank: KeyBank operates a large regional branch network across the Northeast including Upstate New York, Vermont, and Massachusetts. It is a significant competitor in commercial, business, and consumer banking in CBNA's geography.
• First National Bank of Pennsylvania (F.N.B. Corporation): F.N.B. Corporation operates a large regional bank network across Pennsylvania, New York, and other Mid-Atlantic/Northeast states. Its community banking model and product mix are highly comparable to CBNA's commercial and retail offerings.
• Tompkins Financial Corporation: Tompkins Financial operates community banks across Upstate New York and Pennsylvania, providing similar personal and commercial banking services. Geographic and product overlap make it a strong comparable for a regional community bank of CBNA's scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC-WuP9P25fp3_MS6yQCiM9w
• Facebookfacebook.com/communitybankna
• LinkedInlinkedin.com/company/the-community-bank
• Instagraminstagram.com/communitybankna

Compliance2 records

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&A

Investments

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

Frequently asked questions about The Community Bank