Our Story

Community Bank's roots can be traced back to 1866, when our predecessor, St. Lawrence County National Bank, was chartered. As we've expanded into the Northern Tier, Southern Tier, Western New York, Pennsylvania, Vermont and Western Massachusetts, we've always remembered what got us here—our customers. And it's evident in everything we do.

For over 155 years, we’ve served the financial needs of our customers. They’re the reason we exist. Of course, many companies make that claim. At Community Bank, we take it to heart. It’s why we make such a big deal about customer service. We don’t see going the extra mile as extra at all. It’s simply business as usual.

Strength in people

The following numbers tell a positive story of growth. More important, they tell a human story of longstanding community service and giving. All numbers apply to fiscal year 2023.

  • 200+ branches
  • 2,900+ friendly, local employees
  • 2,100+ causes and organizations supported
  • $3,700,000 in donations, grants and sponsorships
  • Top Ranked Bank by Forbes1 15 years running

Happy, the best way to bank

We use the phrase “bank happy” a lot. Those two words sum up our approach to serving our customers. Sometimes it’s the big things, like a great rate on a mortgage. Other times, it’s smaller gestures, such as a sincere smile. We want to make our customers more than satisfied. We want to make them happy.

Our Core Values


We do the right thing.


We always bring our best.


We work together.


We respect everyone.

The nitty-gritty details

Community Bank, N.A. is the wholly owned national banking subsidiary of Community Financial System, Inc. (CFSI), a diversified financial services company that is focused on four main business lines: banking, employee benefit services, insurance services, and wealth management. In 1983, CFSI was incorporated in Delaware and became a registered bank holding company. CFSI maintains its headquarters in DeWitt, NY.

Its banking subsidiary, Community Bank, N.A., is among the country’s 100 largest banking institutions, with over $15 billion in assets, and operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts.

The bank’s regional administrative offices are located in Canton and Olean, NY; Wilkes-Barre, PA; and South Burlington, VT, and these offices share operational responsibility for customer facilities and ATMs throughout the bank’s footprint. Other subsidiaries within the CFSI family are: Benefit Plans Administrative Services, Inc. subsidiary, a leading provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on a national scale; OneGroup NY, Inc., a top 75 U.S. insurance agency; and our Wealth Management operating unit, which offers comprehensive financial planning, trust administration, and wealth management services. CFSI is listed on the New York Stock Exchange trading under the symbol CBU.

"Your employees are especially helpful. They’re very responsive to my needs and are so knowledgeable about banking products and services."
South Burlington, VT
Painting Fence
Community Involvement

Deeply invested in our communities

We consider it part of our mission—and our privilege and pride—to strengthen the communities we work in with financial support, in-kind donations and volunteer service.

Checking Products

Get a free gift

Enjoy plenty of free with Carefree CheckingSM including a free gift when you open an account online or in-branch.

Diversity Council
Culture and Diversity Council

Moving Our Culture Forward

Our employee-led Culture and Diversity Council ensures that everyone we work with—from our customers to our team members to our community members—is seen, heard, and supported. Learn what we’re doing to not just preach diversity, but to value it.

Our Community

Community Bank Earns Second Consecutive Recognitions from Newsweek and Forbes
For the second year in a row, Community Bank has been recognized as one of America’s Most Trusted Companies by Newsweek and Statista Inc., the world-leading statistics portal and industry ranking provider.
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It’s All in the Name: Community Bank Celebrates its 5th National Good Neighbor Day
For five consecutive years, Community Bank has celebrated Good Neighbor Day through community donations and initiatives across the bank’s four-state footprint.
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Community Bank Promotes Monticia Prather to Culture & Diversity Officer
At Community Bank, we love helping team members develop and grow in their careers, and we couldn’t be more proud to congratulate Monticia Prather on her promotion to Culture & Diversity Officer.
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