Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

COMMUNITY BANK NATIONAL ASSN

FDIC #6989 · NY · period 20260630

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Total assets8,555,514-1.31% YoY

Total deposits7,249,320-2.94% YoY

Net loans and leases4,775,916-2.25% YoY

Return on assets1.07%+4.81% YoY

Return on equity8.22%+0.61% YoY

Net interest margin3.58%+0.60% YoY

Peer position

Return on assets46thin line · n=112

Return on equity68thin line · n=108

Net interest margin39thin line · n=112

Equity to assets19thopportunity · n=108

Noncurrent loans70thin line · n=106

Liquid assets70thstrength · n=108

Brokered deposits100thstrength · n=107

Loans to deposits79thstrength · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	8,555,514	7,249,320	4,775,916	1.07	8.22	3.58
2016-06-30	8,683,122	7,096,761	4,858,791	1.10	8.37	3.59
2016-09-30	8,666,604	7,232,631	4,894,465	1.14	8.60	3.60
2016-12-31	8,604,114	7,253,734	4,903,746	1.15	8.76	3.63
2017-03-31	8,668,641	7,469,159	4,885,790	1.02	8.17	3.56
2017-06-30	10,643,289	8,703,618	6,313,876	0.76	5.92	3.58
2017-09-30	10,611,453	8,707,214	6,262,006	0.93	7.11	3.65
2017-12-31	10,521,576	8,554,771	6,209,634	1.32	9.91	3.70
2018-03-31	10,752,321	8,898,319	6,179,555	1.37	9.91	3.68
2018-06-30	10,423,762	8,664,348	6,189,673	1.43	10.26	3.75
2018-09-30	10,450,747	8,607,186	6,250,755	1.43	10.25	3.77
2018-12-31	10,412,127	8,495,401	6,231,920	1.42	10.11	3.79
2019-03-31	10,707,445	8,807,752	6,217,191	1.29	9.05	3.79
2019-06-30	10,540,541	8,704,142	6,234,760	1.37	9.55	3.83
2019-09-30	11,391,467	9,389,787	6,803,768	1.30	9.17	3.81
2019-12-31	11,209,976	9,244,014	6,840,631	1.31	9.30	3.81
2020-03-31	11,614,035	9,576,029	6,813,713	1.15	8.19	3.61
2020-06-30	13,243,313	11,111,950	7,469,119	1.04	7.50	3.44
2020-09-30	13,647,935	11,398,660	7,401,832	1.05	7.75	3.34
2020-12-31	13,738,328	11,507,372	7,356,705	1.08	8.02	3.28
2021-03-31	14,429,468	12,435,283	7,314,398	1.22	10.19	2.97
2021-06-30	14,587,674	12,569,387	7,193,738	1.15	9.75	2.90
2021-09-30	15,096,387	12,972,272	7,233,200	1.09	9.43	2.85
2021-12-31	15,323,828	13,173,952	7,323,769	1.05	9.22	2.84
2022-03-31	15,397,512	13,580,115	7,372,105	0.99	9.80	2.73
2022-06-30	15,263,971	13,614,688	8,089,154	0.92	9.78	2.87
2022-09-30	15,369,041	13,747,270	8,483,245	0.97	11.09	2.99
2022-12-31	15,614,778	13,252,645	8,748,335	1.04	12.22	3.05
2023-03-31	15,032,060	13,319,357	8,919,440	-0.07	-0.88	3.22
2023-06-30	14,875,694	13,081,001	9,108,886	0.52	6.56	3.23
2023-09-30	15,152,716	13,253,085	9,385,726	0.67	8.53	3.21
2023-12-31	15,313,982	13,154,863	9,638,343	0.69	8.65	3.20
2024-03-31	15,612,036	13,550,610	9,813,497	0.90	10.83	3.06
2024-06-30	15,653,787	13,337,931	9,953,644	0.96	11.58	3.08
2024-09-30	16,152,043	13,695,237	10,176,248	0.93	11.09	3.10
2024-12-31	16,129,873	13,652,063	10,354,721	0.95	11.40	3.15
2025-03-31	16,504,226	14,085,584	10,338,835	1.00	11.56	3.26
2025-06-30	16,405,831	13,901,072	10,438,452	1.06	12.07	3.32
2025-09-30	16,659,126	14,216,434	10,665,657	1.08	12.16	3.35
2025-12-31	17,000,592	14,553,206	10,861,944	1.11	12.24	3.39
2026-03-31	17,433,997	15,014,456	11,041,141	1.16	12.32	3.46
2026-06-30	17,447,957	14,871,122	11,192,699	1.19	12.54	3.50

Structure and branch footprint

214 current branch locations across 6 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-06-01	1	2723376	202907
2022-05-14	1	861304	202907
2020-06-13	1	929802	202907
2019-07-13	1	313401	202907
2017-05-13	1	166803	202907
2015-12-05	1	103602	202907
2015-12-05	1	723710	202907
2011-04-09	1	875918	202907
2007-06-02	1	250113	202907
2006-12-02	1	174406	202907
2006-08-12	1	328478	202907
2004-05-15	1	2214744	202907
2003-11-22	1	657815	202907
2003-09-06	1	487076	202907
2001-05-12	1	731313	202907
2001-01-27	1	522306	202907
1994-06-04	50	988078	202907
1992-01-01	1	817516	202907
1992-01-01	1	721613	202907
1992-01-01	1	697718	202907

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.