Community Bank delivered solid Q4 2025 results, posting strong net interest income and a third consecutive quarter of record operating EPS. Segment growth in banking and employee benefit services offset seasonal softness in insurance. Total revenues and operating income improved both sequentially and year-over-year.

The company achieved a solid quarter with EPS up 25% YoY, supported by higher net interest income and expanded margins. Revenue increased across banking, insurance, wealth, and employee benefit services, and asset quality remained strong. Liquidity and capital ratios remained robust, with a focus on growth and diversification.

Community Financial System, Inc. delivered solid Q2 2025 results with net income of $51.3M and operating net income of $55.4M. Record net interest income and higher total loans contributed to strong operating performance despite a slight decline in deposits.

Community Financial System, Inc. achieved a strong first quarter in 2025, reporting a net income of $49.6 million and an EPS of $0.93. Total revenues reached $196.2 million, marking a 10.7% increase from the prior year. The company also set new quarterly records for net interest income and non-bank financial services noninterest revenues.

Community Financial System, Inc. reported a net income of $49.8 million, or $0.94 per share, for the fourth quarter of 2024. The company's operating net income, a non-GAAP measure, was $52.9 million, or $1.00 per share, for the same period. The increase in earnings per share was driven by increases in net interest income and noninterest revenues and decreases in noninterest expenses and the number of fully diluted shares outstanding, partially offset by increases in the provision for credit losses and income taxes.

Community Financial System, Inc. reported a net income of $43.9 million, or $0.83 per fully diluted share, for the third quarter of 2024. Non-GAAP operating net income was $46.6 million, or $0.88 per fully diluted share.

Community Financial System, Inc. reported a net income of $47.9 million, or $0.91 per fully diluted share, and non-GAAP operating net income of $50.5 million, or $0.95 per fully diluted share for the second quarter of 2024. The company achieved record quarterly revenues and strong performance across its business lines.

Community Bank System, Inc. reported a strong first quarter of 2024, marked by record quarterly revenues and solid core funding. The company's diverse revenue streams and robust liquidity levels contributed to its strong performance, with growth in market-sensitive recurring fee income businesses offsetting margin pressure in the banking sector.

Community Bank System, Inc. reported a net income of $38.3 million, or $0.71 per fully diluted share, for the fourth quarter of 2023. The company achieved its highest level of quarterly revenues despite a challenging environment, but net income was impacted by non-operating expenses such as the FDIC insurance special assessment, increased retirement expense, elevated fraud expenses, and restructuring costs.

Community Bank System, Inc. reported a net income of $44.1 million, or $0.82 per fully diluted share, for Q3 2023. Revenue performance was stable, but earnings were pressured by elevated expenses. Loans and deposits increased during the quarter, and asset quality remained strong.

Community Bank System, Inc. reported a strong second quarter with earnings per share of $0.89, up from $0.73 in the same quarter last year. Operating revenues remained strong across all lines of business, with noninterest revenues contributing significantly. The company's asset quality remained strong, and loan growth continued for the eighth consecutive quarter.

Community Bank System reported a decrease in net income and earnings per share for Q1 2023 compared to the previous year, primarily due to a strategic balance sheet repositioning. The company sold available-for-sale investment securities, resulting in a pre-tax realized loss. Despite this, the company's deposit base and liquidity position remained strong, with total immediately available liquidity sources exceeding uninsured deposits.

Community Bank System, Inc. reported a strong fourth quarter in 2022, with GAAP earnings per share up by 21.3% over the prior year's quarter. The company's performance was driven by improvements in net interest income, supported by strong loan growth. Total revenues increased by 10.2% compared to the previous year's fourth quarter.

Community Bank System, Inc. reported a net income of $48.7 million for Q3 2022, which translates to $0.90 per fully-diluted share. The increase in earnings per share was primarily attributable to increases in net interest income and noninterest revenues and a decrease in fully-diluted average shares outstanding, offset, in part, by higher operating expenses and increases in the provision for credit losses and income taxes.

Community Bank System, Inc. reported a decrease in net income for Q2 2022 compared to Q2 2021, with earnings per share decreasing primarily due to increases in the provision for credit losses and operating expenses, offset by increases in net interest income and noninterest revenues. The company successfully acquired and integrated Elmira Savings Bank, contributing to loan growth and net interest margin improvement.

Community Bank System reported a net income of $47.1 million, or $0.86 per fully-diluted share, for the first quarter of 2022. While earnings per share were down compared to the prior year, the company saw continued noninterest revenue expansion and deployed excess liquidity into loans and investment securities.

Community Bank System, Inc. reported a net income of $43.6 million, or $0.80 per fully-diluted share, for the fourth quarter of 2021. The company's total revenues reached a record $159.7 million, driven by increases in both net interest income and noninterest revenues. Organic loan growth, excluding PPP loans, exceeded 2.0% for the second consecutive quarter.

Community Bank System, Inc. reported a net income of $45.3 million, or $0.83 per fully-diluted share, for the third quarter of 2021. The company experienced growth in noninterest revenues and organic non-PPP loans, while also acquiring two financial services businesses.

Community Bank System reported a net income of $47.9 million, or $0.88 per fully-diluted share, for the second quarter of 2021. The increase in earnings per share was primarily attributable to a significant decrease in the provision for credit losses and a significant increase in noninterest income.

Community Bank System reported a strong first quarter in 2021, with net income increasing to $52.9 million, or $0.97 per share, compared to $40.1 million, or $0.76 per share, for the same period in 2020. The increase in earnings was primarily driven by higher net interest income, a significant decrease in the provision for credit losses, and lower operating expenses.

Community Bank System reported a strong fourth quarter in 2020, with net income reaching $46.5 million, translating to $0.86 per fully-diluted share. The increase in earnings per share year-over-year was driven by an increase in net interest income, a decrease in the provision for credit losses, slightly lower operating expenses and a small increase in noninterest revenues, offset, in part, by higher income taxes and an increase in fully-diluted shares outstanding. Total revenues for the quarter were $150.6 million, a slight increase of 0.5% compared to the same period last year.

Community Bank System reported a net income of $42.8 million, or $0.79 per fully-diluted share for Q3 2020. The results were driven by a decrease in acquisition-related expenses, increases in net interest income and noninterest revenues, offset by increases in provision for credit losses, non-acquisition related operating expenses, income taxes and fully-diluted shares outstanding, as well as litigation reserve expense.

Community Bank System reported a net income of $35.2 million, or $0.66 per fully-diluted share, for the second quarter of 2020. The company successfully completed the acquisition of Steuben, funded approximately $500 million of PPP loans, and processed over 5,000 borrower forbearance requests.

Community Bank System reported a net income of $40.1 million, or $0.76 per fully-diluted share, for the first quarter of 2020. The company's performance was impacted by the COVID-19 crisis, leading to an increase in the provision for credit losses. Despite these challenges, the company generated $0.77 in operating earnings per share and a 1.41% return on average assets.

Community Bank System reported a solid fourth quarter in 2019, with net income of $42.9 million and EPS of $0.82. Total revenues for the quarter were $149.9 million, a 5.8% increase over the same period in 2018.