Every 10-Q that Community Financial System Inc (CBU) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CBU and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CBU filings page.
Community Financial System, Inc. reported higher profitability for the three and six months ended June 30, 2026. Net interest income was 139,144 for the quarter and 273,856 for six months, while net income reached 61,334 for the quarter and 118,552 year-to-date, with diluted EPS of 1.16 and 2.24, respectively, compared with 0.97 and 1.90 a year earlier.
Total assets were 17,763,770 at June 30, 2026, including loans of 11,282,824 (net of allowance 11,191,128) and deposits of 14,710,409, with shareholders’ equity of 2,072,765. The company continued an acquisitive strategy, completing the ClearPoint Federal Bank & Trust purchase for 38,990 in cash plus related intangibles and goodwill, alongside several smaller financial-services acquisitions, building out wealth management, insurance, and employee benefits businesses. Securities portfolios carry sizeable unrealized losses reflected in accumulated other comprehensive loss of 417,627, though management attributes these primarily to interest rates and reports no credit loss allowance on available-for-sale or held-to-maturity securities.
Community Financial System, Inc. reported stronger results for the quarter ended March 31, 2026, with net income of $57.2 million and diluted EPS of $1.08, up from $49.6 million and $0.93 a year earlier. Net interest income rose to $134.7 million as loan balances grew to $11.1 billion, while the provision for credit losses decreased slightly. Total assets reached $17.7 billion and deposits increased to $14.9 billion, reflecting balance‑sheet expansion. The allowance for credit losses increased to $90.2 million, supported by stable credit quality metrics. The company also highlighted ongoing integration of recent acquisitions and a pending cash acquisition of ClearPoint Federal Bank & Trust to expand wealth management services.
Community Financial System, Inc. (CBU) reported stronger Q3 2025 results. Net income rose to $55.088 million from $43.901 million a year ago, and diluted EPS was $1.04 versus $0.83. Net interest income increased to $128.165 million from $112.745 million, while the provision for credit losses declined to $5.564 million from $7.709 million.
Total assets were $16.958 billion as of September 30, 2025, up from $16.386 billion at December 31, 2024. Loans reached $10.750 billion and the allowance for credit losses was $84.944 million. Total deposits were $14.057 billion, compared with $13.442 billion at year‑end 2024.
Noninterest revenues were $78.887 million (vs. $76.197 million), led by employee benefit services $34.408 million and insurance services $14.137 million. Noninterest expenses totaled $128.319 million (vs. $124.203 million). Shareholders’ equity improved to $1.939 billion, aided by a smaller accumulated other comprehensive loss of $(453.164) million (vs. $(548.085) million). The company declared a common dividend of $0.47 per share in the quarter and repurchased $11.034 million of treasury stock. Shares outstanding were 52,661,580 at September 30, 2025.
Community Financial System, Inc. reported stronger results for the quarter and first half of 2025. Net income for the three months ended June 30, 2025 was $51.3 million, up from $47.9 million a year earlier, and six-month net income was $100.9 million versus $88.8 million. Net interest income rose to $124.7 million for the quarter from $109.4 million, while provision for credit losses increased modestly to $4.1 million for the quarter. Total assets grew to $16.67 billion and gross loans reached $10.52 billion, with total deposits of $13.70 billion.
The company disclosed a pending acquisition from Santander to assume approximately $600 million of deposits and acquire about $33 million of loans, with a deposit premium of 8% (approximately $48.0 million) and expected closing in the fourth quarter of 2025, subject to regulatory approval. The firm completed several smaller acquisitions in 2024 and 2025 that added intangible assets and goodwill and recorded contingent consideration arrangements. Accumulated other comprehensive loss improved to $(486.8) million, reflecting net unrealized investment gains during the six months.