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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Community Bank National Association

Canton, New York · $17.45B in assets · beside the 11 other New York banks over $10B

The filing

1.17%
ROA
2nd of 8
75.9%
Loans / deposits
4th of 12
25.2%
CRE / loans
4th of 12

Community Bank National Association is the fifth largest of the 12 New York banks nearest its size over $10B, with $17.45B in assets at 30 June 2026. Loans are 75.9% of deposits, 4th of 12 against a median of 84.8%, and equity is 9.6% of assets, 6th of 8. Loans grew +7.3% in the year, 5th of 12, and deposits grew 7.0%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.50% of the book, 6th of 12 against a median of 0.53%; 0.54% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.11% of loans, 5th of 8. Commercial real estate is 25.2% of loans, 4th of 12 against a median of 30.7%, and 201% of capital, below the 300% screen, with construction at 25% against the 100% screen.

Return on assets is 1.17%, 2nd of 8 against a median of 0.98%, on an efficiency ratio of 58.0%, 3rd of 8. Five years ago it was 1.12%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsNY banks over $10B · 30 June 2026 · higher is stronger, listed first
median 0.98% NB NBT Bank National Association 1.21% CB Community Bank National Association 1.17% DC Dime Commercial Bank 1.00% PB Popular Bank 0.98% DB Deutsche Bank Trust Co. Americas 0.98% SN Safra National Bank of New York 0.97% ID Israel Discount Bank of NY 0.75% AB Apple Bank 0.39%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% SN Safra National Bank of New York +24.8% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% ID Israel Discount Bank of NY +3.9% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7%

SBA 7(a), FY2008 to FY2026

Community Bank National Association is the 43rd largest 7(a) lender into New York of 402, with $101M across 714 loans, 0.5% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 35 of its 68 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Albany, NY$16M6th of 764.9%thin
Luzerne, PA$12M3rd of 715.8%-0.8 pts
Madison, NY$8M2nd of 2719.4%+2.6 pts
Lackawanna, PA$8M7th of 623.5%-2.4 pts
Oneida, NY$7M7th of 484.4%-2.3 pts
Steuben, NY$5M5th of 375.3%-1.7 pts
Chittenden, VT$5M14th of 581.9%thin
Chemung, NY$4M5th of 317.9%quiet FY2021
Erie, NY$4M29th of 940.5%-1.3 pts
Saint Lawrence, NY$4M2nd of 2512.6%-7.5 pts
Oswego, NY$4M6th of 327.3%+16.5 pts
Saratoga, NY$3M17th of 581.6%thin
Allegany, NY$3M2nd of 2217.0%+2.3 pts
55 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services158$34M25.5%0.04%282nd of 2,596
Retail trade158$22M16.9%0.04%299th of 2,589
Manufacturing85$21M15.8%0.05%292nd of 2,246
Construction92$14M10.6%0.04%300th of 2,063
Other services86$10M7.4%0.03%357th of 2,248
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Community Bank National Association
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans CB Community Bank, National Associat… 0.5% $101M · 714 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Community Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen201%3rd of 8239%
Construction against capital, the 100% screen25%5th of 815%
Construction and land development, share of loans3.1%7th of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loans13.6%2nd of 818.5%
Total CRE, the guidance definition, share of loans25.2%4th of 1230.7%
CRE growth over 36 months, the third prong+31.8%7th of 10+18.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community Bank National AssociationCohort median
20212026Change20212026Change
Loans$7.25B$11.28B+56%$7.81B$11.53B+48%
Deposits$12.57B$14.87B+18%$9.82B$13.42B+37%
NPA / loans0.97%0.50%-0.47 pts0.60%0.53%-0.07 pts
Efficiency59.8%58.0%-1.8 pts65.7%60.5%-5.2 pts
ROA1.12%1.17%+0.05 pts0.87%0.98%+0.11 pts

This read was prepared for Community Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Community Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.cbna.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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