Community Bank, National Association

Headquarters: Canton, New York
Charter: Bank
Assets: $17.4B
Fed district: New York
Regulator: OCC
Holding company: Community Financial System Inc.

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for Community Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Community Bank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Community Bank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $9.3M in Q2 2026, 3.2% above the same quarter a year earlier ($9.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
CBNA Carefree Checking℠
Can be waived with a balance of $500 or more.
Community Bank, National Association: $4.95
Community Bank, National Association: $4.95
U.S. median: no median
Overdraft (OD)
Compared at $40, its standard fee, the highest of its prices
Community Bank, National Association: $36 to $40
Community Bank, National Association: $36 to $40
U.S. median: no median
NSF / Returned Item
Community Bank, National Association: $36
Community Bank, National Association: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 2.4% from Q3 2025 to Q2 2026, to $9.3M.

Service-charge income, Q2 2026

$9.3M

$9.5MQ3 2025

$9.5MQ4 2025

$9.5MQ1 2026

$9.3MQ2 2026

Against the median

Community Bank, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Community Bank, National Association · $17.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$14.4B to $20.3B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Community Bank, National Association(this institution)	Canton, NY	$17.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apple Bank	New York, NY	$19.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of America California, National Association	San Francisco, CA	$14.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Hope	Los Angeles, CA	$19B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banner Bank	Walla Walla, WA	$16.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bell Bank	Fargo, ND	$15.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Busey Bank	Champaign, IL	$18.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
ConnectOne Bank	Englewood Cliffs, NJ	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dime Community Bank	Hauppauge, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Enterprise Bank & Trust	Clayton, MO	$17.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank	Abilene, TX	$15.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank and Trust Company	Durant, OK	$16.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank	Nashville, TN	$16.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank Puerto Rico	Santurce, PR	$19.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Live Oak Banking Company	Wilmington, NC	$16B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
NBT Bank, National Association	Norwich, NY	$16.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Nicolet National Bank	Green Bay, WI	$15.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Warren, PA	$17.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Popular Bank	New York, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
ServisFirst Bank	Birmingham, AL	$18.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stifel Bank	Saint Louis, MO	$14.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Stifel Bank and Trust	Saint Louis, MO	$19.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Central Trust Bank	Jefferson City, MO	$20.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Third Federal Savings and Loan Association of Cleveland	Cleveland, OH	$18.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Toyota Financial Savings Bank	Henderson, NV	$16.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Trustmark Bank	Jackson, MS	$19.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.28 (46%) below the median of similar-sized banks.

Its published price is $4.95, against a peer median of $9.23 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community Bank, National…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Community Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $9.3M
vs prior quarter: −$275K−2.9%; from Q1 2026
vs a year earlier: +$286K+3.2%; from Q2 2025
vs start of range: −$42K−0.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Community Bank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$9.3M	−$275K	−2.9%
Q1 2026	$9.5M	+$2K	+0.0%
Q4 2025	$9.5M	+$46K	+0.5%
Q3 2025	$9.5M	+$513K	+5.7%
Q2 2025	$9.0M	+$224K	+2.6%
Q1 2025	$8.8M	−$685K	−7.3%
Q4 2024	$9.4M	+$133K	+1.4%
Q3 2024	$9.3M	+$687K	+8.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Community Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

CBNA Carefree Checking℠ monthly fee$4.95
per month
Account Early Closing Fee – Christmas Club$5
Abandoned Account Escheat$10
Dormant Fee in Service (Dormant Account Fee)$15
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$2

Overdraft & NSF

Overdraft Fee$40
Overdraft Fee (Paid Item Fee - PIF)$36
per item
NSF Fee (Return Item Fee - RIF)$36
per item
Consecutive Day Overdraft Fee$5
per day

ATM & Card

ATM Balance Transfer Fee$2
per item
ATM Inquiry Fee$1
per item
ATM Withdrawal$2
ATM Withdrawal Fee$2
per transaction
Lost/Stolen Card Replacement$7.50
per item
Expedited Shipping Fee$60
per item
International Service Fee1%of the transaction

Wire Transfers

Per Outgoing Domestic Wire (Personal)$25
Per Incoming Wire$20
Per Outgoing International Personal Wire$50
Per Outgoing International Personal Wire$70

Check Services

Cashier's Checks$6
per item
Correspondent Bank Draft Fee$15
per item
Money Order Fee (Up to $1,000)$4
Stop Payment Fee$36
per item
Collection Item Fee$15
per item
Coupon Collection Fee$10

Digital & Electronic

Online Bill Payments (Non-Qualification Fee)$0.50
Not compared: Per-item charge, not monthly
per item
Zelle® Transfer Debits (Non-Qualification: Fee)$0.50
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Loose Coin Fee$3
per item

Account Services

Safe Deposit Box Lost Key Fee$20
Not compared: Box drilling or key fee
per item
Levies and Restraining Orders$90
per item
Subpoena Fee$90

Retirement & IRA

IRA/Health Savings Account Transfer Fee$30
per item

Fee	Amount	Basis	Note
Account Maintenance
CBNA Carefree Checking℠ monthly fee	$4.95	per month	None
Account Early Closing Fee – Christmas Club	$5	Not stated	None
Abandoned Account Escheat	$10	Not stated	None
Dormant Fee in Service (Dormant Account Fee)	$15	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$2	Not stated	None
Overdraft & NSF
Overdraft Fee	$40	Not stated	None
Overdraft Fee (Paid Item Fee - PIF)	$36	per item	None
NSF Fee (Return Item Fee - RIF)	$36	per item	None
Consecutive Day Overdraft Fee	$5	per day	None
ATM & Card
ATM Balance Transfer Fee	$2	per item	None
ATM Inquiry Fee	$1	per item	None
ATM Withdrawal	$2	Not stated	None
ATM Withdrawal Fee	$2	per transaction	None
Lost/Stolen Card Replacement	$7.50	per item	None
Expedited Shipping Fee	$60	per item	None
International Service Fee	1%of the transaction	Not stated	None
Wire Transfers
Per Outgoing Domestic Wire (Personal)	$25	Not stated	None
Per Incoming Wire	$20	Not stated	None
Per Outgoing International Personal Wire	$50	Not stated	None
Per Outgoing International Personal Wire	$70	Not stated	None
Check Services
Cashier's Checks	$6	per item	None
Correspondent Bank Draft Fee	$15	per item	None
Money Order Fee (Up to $1,000)	$4	Not stated	None
Stop Payment Fee	$36	per item	None
Collection Item Fee	$15	per item	None
Coupon Collection Fee	$10	Not stated	None
Digital & Electronic
Online Bill Payments (Non-Qualification Fee)	$0.50Not compared: Per-item charge, not monthly	per item	None
Zelle® Transfer Debits (Non-Qualification: Fee)	$0.50Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Loose Coin Fee	$3	per item	None
Account Services
Safe Deposit Box Lost Key Fee	$20Not compared: Box drilling or key fee	per item	None
Levies and Restraining Orders	$90	per item	None
Subpoena Fee	$90	Not stated	None
Retirement & IRA
IRA/Health Savings Account Transfer Fee	$30	per item	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Community Bank, National Association operates, and what regulators and customers have on file.

Consumer complaints

38 complaints to the CFPB so far in 2026

Checking or savings account
Mortgage
Vehicle loan or lease
Credit reporting or other personal consumer reports
Other

Top issues, 2026 to date

Managing an account	19
Trouble during payment process	4
Problem caused by your funds being low	3
Incorrect information on your report	3
Problem with a lender or other company charging your account	3
Struggling to pay mortgage	2

Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.

Enforcement actions

None on file with the OCC and Federal Reserve

The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

COMMUNITY FINANCIAL SYSTEM, INC. (NYSE: CBU)

Consolidated assets

$17.8B

Shareholders' equity

$2.1B

As of

2026Q2

Net income by quarter

Recent SEC filings

8-KFORM 8-K2026-10-27View
8-KFORM 8-K2026-08-21View
10-Q10-Q2026-08-07View
8-KFORM 8-K2026-07-28View
8-KFORM 8-K2026-06-01View
8-KFORM 8-K2026-05-22View
8-KFORM 8-K2026-05-13View
10-Q10-Q2026-05-08View
8-KFORM 8-K2026-04-29View
DEF 14ADEF 14A2026-03-27View
10-K10-K2026-02-27View
8-KFORM 8-K2026-02-11View

Source: SEC EDGAR filings and XBRL financial data, CIK 723188. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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