For the quarter ending 2026-03-31, CBU has $17,744,859K in assets. $15,720,867K in debts. $572,173K in cash and cash equivalents.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and cash equivalents (includes restricted cash of 14,760) | 572,173 | 301,755 | 245,247 | 237,248 |
| Available-for-sale investment securities, includes pledged securities that can be sold or repledged of 317,188 and 319,478, respectively (cost of 3,132,920 and 3,148,728, respectively) | 2,848,132 | 2,875,341 | 2,859,312 | 2,832,370 |
| Held-to-maturity securities (fair value of 1,362,112 and 1,370,464, respectively) | 1,460,750 | 1,454,166 | 1,442,308 | 1,430,991 |
| Equity and other securities | 81,717 | 77,252 | 78,944 | 86,709 |
| Loans | 11,131,184 | 10,949,757 | 10,750,262 | 10,519,117 |
| Allowance for credit losses | 90,193 | 87,921 | 84,944 | 81,851 |
| Loans, net of allowance for credit losses | 11,040,991 | 10,861,836 | 10,665,318 | 10,437,266 |
| Goodwill | 889,347 | 887,975 | 855,790 | 854,817 |
| Core deposit intangibles, net | 13,705 | 14,754 | 3,571 | 3,963 |
| Other intangibles, net | 40,262 | 39,987 | 40,606 | 39,601 |
| Goodwill and intangible assets, net | 943,314 | 942,716 | 899,967 | 898,381 |
| Premises and equipment, net | 247,445 | 246,505 | 212,667 | 201,101 |
| Accrued interest and fees receivable | 56,559 | 57,734 | 54,526 | 57,583 |
| Equity method investments | 36,739 | 37,065 | 37,350 | - |
| Other assets | 457,039 | 448,926 | 462,165 | 483,369 |
| Total assets | 17,744,859 | 17,303,296 | 16,957,804 | 16,665,018 |
| Noninterest-bearing deposits | 3,732,720 | 3,683,442 | 3,686,772 | 3,588,602 |
| Interest-bearing deposits | 11,137,402 | 10,703,643 | 10,370,078 | 10,113,166 |
| Total deposits | 14,870,122 | 14,387,085 | 14,056,850 | 13,701,768 |
| Overnight borrowings | - | 0 | 67,900 | 130,400 |
| Securities sold under agreement to repurchase, short-term | 201,027 | 231,163 | 224,169 | 180,621 |
| Federal home loan bank and other borrowings | 446,319 | 458,770 | 471,280 | 583,439 |
| Accrued interest and other liabilities | 203,399 | 220,244 | 198,655 | 185,699 |
| Total liabilities | 15,720,867 | 15,297,262 | 15,018,854 | 14,781,927 |
| 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 54,997,492 and 54,907,426 shares issued, respectively | 54,997 | 54,907 | 54,886 | 54,887 |
| Additional paid in capital | 1,094,103 | 1,088,047 | 1,084,821 | 1,081,954 |
| Retained earnings | 1,420,143 | 1,387,636 | 1,357,973 | 1,327,660 |
| Accumulated other comprehensive loss | -423,992 | -418,990 | -453,164 | -486,835 |
| Treasury stock, at cost (2,460,071 shares, including 79,341 shares held by deferred compensation arrangements at march 31, 2026, and 2,225,209 shares including 94,479 shares held by deferred compensation arrangements at december 31, 2025) | 125,791 | 110,945 | 110,901 | 99,867 |
| Deferred compensation arrangements (79,341 and 94,479 shares, respectively) | 4,532 | 5,379 | 5,335 | 5,292 |
| Total shareholders' equity | 2,023,992 | 2,006,034 | 1,938,950 | 1,883,091 |
| Total liabilities and shareholders' equity | 17,744,859 | 17,303,296 | 16,957,804 | 16,665,018 |
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)