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Balance Sheets Overview

Debt to Asset Ratio
88.33%
Unit: Thousand (K) dollars
Assets Breakdown
    • Loans
    • Held-to-maturity securities, inc...
    • Goodwill
    • Others
Liabilities Breakdown
    • Interest-bearing deposits
    • Noninterest-bearing deposits
    • Retained earnings
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and cash equivalents (includes restricted cash of 14,760)
258,174
572,173
301,755
245,247
Available-for-sale investment securities, includes pledged securities that can be sold or repledged of 318,329 and 319,478, respectively (cost of 3,237,809 and 3,148,728, respectively)
2,957,963
2,848,132
2,875,341
2,859,312
Held-to-maturity securities, includes pledged securities that can be sold or repledged of 9,090 and 0, respectively (fair value of 1,372,481 and 1,370,464, respectively)
1,478,386
1,460,750
1,454,166
1,442,308
Equity and other securities
87,857
81,717
77,252
78,944
Loans
11,282,824
11,131,184
10,949,757
10,750,262
Allowance for credit losses
91,696
90,193
87,921
84,944
Loans, net of allowance for credit losses
11,191,128
11,040,991
10,861,836
10,665,318
Goodwill
900,650
889,347
887,975
855,790
Core deposit intangibles, net
15,732
13,705
14,754
3,571
Other intangibles, net
47,312
40,262
39,987
40,606
Goodwill and intangible assets, net
963,694
943,314
942,716
899,967
Premises and equipment, net
250,251
247,445
246,505
212,667
Accrued interest and fees receivable
60,888
56,559
57,734
54,526
Equity method investments
36,276
36,739
37,065
37,350
Other assets
479,153
457,039
448,926
462,165
Total assets
17,763,770
17,744,859
17,303,296
16,957,804
Noninterest-bearing deposits
3,872,611
3,732,720
3,683,442
3,686,772
Interest-bearing deposits
10,837,798
11,137,402
10,703,643
10,370,078
Total deposits
14,710,409
14,870,122
14,387,085
14,056,850
Overnight borrowings
172,800
-
0
67,900
Securities sold under agreement to repurchase, short-term
157,577
201,027
231,163
224,169
Federal home loan bank and other borrowings
433,720
446,319
458,770
471,280
Accrued interest and other liabilities
216,499
203,399
220,244
198,655
Total liabilities
15,691,005
15,720,867
15,297,262
15,018,854
Preferred stock, 1.00 par value, 500,000 shares authorized, 0 shares issued
0
0
0
0
Common stock, 1.00 par value, 75,000,000 shares authorized 55,067,544 and 54,907,426 shares issued, respectively
55,067
54,997
54,907
54,886
Additional paid in capital
1,100,368
1,094,103
1,088,047
1,084,821
Retained earnings
1,456,743
1,420,143
1,387,636
1,357,973
Accumulated other comprehensive loss
-417,627
-423,992
-418,990
-453,164
Treasury stock, at cost (2,469,140 shares, including 79,939 shares held by deferred compensation arrangements at june 30, 2026, and 2,225,209 shares including 94,479 shares held by deferred compensation arrangements at december 31, 2025)
126,355
125,791
110,945
110,901
Deferred compensation arrangements (79,939 and 94,479 shares, respectively)
4,569
4,532
5,379
5,335
Total shareholders' equity
2,072,765
2,023,992
2,006,034
1,938,950
Total liabilities and shareholders' equity
17,763,770
17,744,859
17,303,296
16,957,804
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Balance Sheets

Loans$11,282,824K (7.26%↑ Y/Y)Goodwill$900,650K (5.36%↑ Y/Y)Other intangibles,net$47,312K (19.47%↑ Y/Y)Core depositintangibles, net$15,732K (296.97%↑ Y/Y)Loans, net of allowancefor credit losses$11,191,128K (7.22%↑ Y/Y)Available-for-sale investmentsecurities, includes...$2,957,963K (4.43%↑ Y/Y)Held-to-maturity securities,includes pledged...$1,478,386K (3.31%↑ Y/Y)Goodwill and intangibleassets, net$963,694K (7.27%↑ Y/Y)Other assets$479,153K (-0.87%↓ Y/Y)Cash and cashequivalents (includes...$258,174K (8.82%↑ Y/Y)Premises and equipment,net$250,251K (24.44%↑ Y/Y)Equity and othersecurities$87,857K (1.32%↑ Y/Y)Accrued interest andfees receivable$60,888K (5.74%↑ Y/Y)Equity methodinvestments$36,276K Allowance for creditlosses$91,696K (12.03%↑ Y/Y)Total assets$17,763,770K (6.59%↑ Y/Y)Total liabilities andshareholders' equity$17,763,770K (6.59%↑ Y/Y)Total liabilities$15,691,005K (6.15%↑ Y/Y)Total shareholders'equity$2,072,765K (10.07%↑ Y/Y)Accumulated othercomprehensive loss-$417,627K (14.22%↑ Y/Y)Treasury stock, at cost(2,469,140 shares,...$126,355K (26.52%↑ Y/Y)Total deposits$14,710,409K (7.36%↑ Y/Y)Federal home loan bankand other...$433,720K (-25.66%↓ Y/Y)Accrued interest andother liabilities$216,499K (16.59%↑ Y/Y)Overnight borrowings$172,800K (32.52%↑ Y/Y)Securities sold underagreement to repurchase,...$157,577K (-12.76%↓ Y/Y)Retained earnings$1,456,743K (9.72%↑ Y/Y)Additional paid in capital$1,100,368K (1.70%↑ Y/Y)Common stock, 1.00 parvalue, 75,000,000...$55,067K (0.33%↑ Y/Y)Deferred compensationarrangements (79,939 and...$4,569K (-13.66%↓ Y/Y)Interest-bearing deposits$10,837,798K (7.17%↑ Y/Y)Noninterest-bearing deposits$3,872,611K (7.91%↑ Y/Y)

COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

COMMUNITY FINANCIAL SYSTEM, INC. (CBU)