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Community Bank, National Association

Canton, NY · Est. 1866 · Website ↗
A
Trust Grade
Excellent
Score: 96/100

Community Bank, National Association is a bank based in Canton, New York, established in 1866, with $17.4 billion in total assets across 204 branches. By Trust Grade it ranks 46th of 118 banks we track in New York. Its capital ratio of 9.4% trails most similarly sized banks (21th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.16% return on assets. No consumer complaints against Community Bank, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$17.4B
$10B–100B institution
Deposits
$15.0B
Branches
204
Capital ratio
9.4%
Bottom 21% of $10B–100B peers · New York median 10.4%
Return on assets
1.2%
Bottom 45% of $10B–100B peers · New York median 0.84%
Rank in New York
#46
of 118 banks

How Community Bank, National Association compares to New York peers

Capital ratio
Bottom 21% of $10B–100B peers
Community Bank,
9.4%
New York median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 45% of $10B–100B peers
Community Bank,
1.2%
New York median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Community Bank, National Association

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
n/a
Overall
A · 96
  • Strongly capitalized (9.4% capital ratio)
  • Strongly profitable (ROA 1.16%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Community Bank, National Association over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (204)

  • 182 Main St, Oneida, NY 13421
  • 216 Washington St, Watertown, NY 13601
  • 201 N Union St, Olean, NY 14760
  • 244 Main St, North Creek, NY 12853
  • 6321 Route 30, Indian Lake, NY 12842
  • 1199 Main St, Long Lake, NY 12847
  • 345 Central Ave, Dunkirk, NY 14048
  • 3909 Vineyard Dr, Dunkirk, NY 14048
  • 10490 Main St, North Collins, NY 14111
  • 1 W Fairmount Ave, Lakewood, NY 14750
  • 76 W Main St, Gowanda, NY 14070
  • 468 State Route 3, Plattsburgh, NY 12901
  • 8720 E Main St, Clymer, NY 14724
  • 101 W Main St, Sherman, NY 14781
  • 5397 Dayan St, Lowville, NY 13367
  • 1573 State Route 458, Saint Regis Falls, NY 12980
  • 5 Seneca St, Geneva, NY 14456
  • 710 W Miller St, Newark, NY 14513
  • 151 Main St, Penn Yan, NY 14527
  • 100 E 1st St, Oswego, NY 13126
  • 1 S 1st St, Fulton, NY 13069
  • 26 E Church St, Adams, NY 13605
  • 45562 Route 12 Thompson Mall, Alexandria Bay, NY 13607
  • 8 Liberty St, Bath, NY 14810
  • 23 Commercial Street, Livonia, NY 14487
  • 109 S Main St, Naples, NY 14512
  • 272 Lake Street Plz, Penn Yan, NY 14527
  • 54 Pearl St, Essex Junction, VT 05452
  • 1309 Williston Rd, South Burlington, VT 05403
  • 1014 North Ave, Burlington, VT 05408
  • 15 West St, Bristol, VT 05443
  • 301 Route 2, South Hero, VT 05486
  • 929 Shelburne Rd, South Burlington, VT 05403
  • 26 Ballards-Corners, Hinesburg, VT 05461
  • 364 Main St, Winooski, VT 05404
  • 25 Monkton Rd, Vergennes, VT 05491
  • 172 College St, Burlington, VT 05401
  • 92 Woodstock Ave, Rutland, VT 05701
  • 84 Vermont Route 15 W, Hardwick, VT 05843
  • 481 Portland St, Saint Johnsbury, VT 05819

Are deposits at Community Bank, National Association insured?

Yes. Community Bank, National Association is an FDIC-insured bank (FDIC certificate #6989). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Community Bank, National Association: frequently asked questions

Is Community Bank, National Association a good bank?

Community Bank, National Association earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.4% capital ratio); Strongly profitable (ROA 1.16%).

Is Community Bank, National Association FDIC-insured?

Yes. Community Bank, National Association is a FDIC-insured bank (FDIC certificate #6989). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Community Bank, National Association?

Community Bank, National Association holds $17.4 billion in total assets, ranking 46th of 118 banks we track in New York. It operates 204 branches.

Does Community Bank, National Association have CFPB complaints?

No CFPB complaints against Community Bank, National Association appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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