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Sep 30, 2025
Community Bank Q3 2025 Earnings Report
Community Financial System reported strong Q3 2025 results, with net income reaching $55.1 million and growth across all four of its business segments.
Key Takeaways
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.
Net income was $55.1 million, up from $43.9 million in Q3 2024
EPS rose to $1.04 from $0.83 in Q3 2024, while non-GAAP EPS was $1.09
Total revenues reached $207.1 million, supported by gains in net interest and noninterest income
Loan and deposit growth continued, with $10.75 billion in loans and $14.06 billion in deposits at quarter-end
Revenue by Segment
Forward Guidance
The company continues to pursue growth through diversified services and strategic investments, including a recent insurance tech partnership, while managing risk and capital prudently.
Positive Outlook
- Strong organic loan and deposit growth
- Margin expansion supported by lower funding costs and higher asset yields
- Operating EPS and return on assets reached record levels
- Strategic investment in Leap Insurance to expand tech-first insurance offerings
- Capital ratios well above regulatory minimums with improved tangible equity metrics
Challenges Ahead
- Slight decline in insurance and employee benefit services segment margins
- Higher legal and tech integration expenses impacting noninterest expense line
- Increased provision for credit losses due to loan growth and macro environment
- Higher effective tax rate driven by state tax changes and timing of credits
Historical Earnings Impact
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Avg. Return Before/After Earnings
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