Financial insights of CBU

MyFinsight

For the quarter ending 2025-09-30, CBU made $433,607K in revenue. $55,088K in net income. Net profit margin of 12.70%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	152,509	146,534
Interest and dividends on taxable investments	22,027	23,581
Interest and dividends on nontaxable investments	2,747	2,763
Total interest income	177,283	172,878
Interest on deposits	40,720	40,637
Interest on borrowings	8,398	7,493
Total interest expense	49,118	48,130
Net interest income	128,165	124,748
Provision for credit losses	5,564	4,117
Net interest income after provision for credit losses	122,601	120,631
Deposit service fees	15,190	14,519
Mortgage banking	1,180	972
Other banking services	4,790	4,567
Employee benefit services	34,408	32,380
Insurance services	14,137	13,388
Wealth management services	8,946	8,683
Loss on sales of investment securities	0	0
Unrealized gain on equity securities	236	-1
Total noninterest revenues	78,887	74,508
Salaries and employee benefits	76,532	79,021
Data processing and communications	19,119	16,699
Occupancy and equipment	11,419	11,486
Business development and marketing	4,585	4,001
Legal and professional fees	4,469	4,368
Amortization of intangible assets	3,258	3,369
Other expenses	8,937	10,158
Total noninterest expenses	128,319	129,102
Income before income taxes	73,169	66,037
Income taxes	18,081	14,706
Net income	55,088	51,331

Earnings per share, basic	1.04	0.97
Earnings per share, diluted	1.04	0.97
Weighted average number of shares outstanding, basic	52,689,000	52,785,000
Weighted average number of shares outstanding, diluted	52,804,000	52,869,000