COMMUNITY BANK, NATIONAL ASSOCIATION

CANTON, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1866FDIC #6,989

Satisfactory Same

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.16%

Institution Profile

FDIC BankFind

Website

www.cbna.com

Address

45-49 Court Street, CANTON, NY

County

St. Lawrence County

Established

January 1, 1866

Total Assets

$17.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$17.4B

Total Deposits

$15.0B

Net Loans

$11.0B

Net Income

$50M

ROA

1.16%

Above avg for Regional banks. Peer avg: 0.88%

ROE

12.32%

Risk-Based Capital

12.80%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.16%Peer avg: 0.88%▲ Above avg

Risk-Based Capital12.80%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate14.13%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

207

Branch Deposits

$13.9B

1-Year Change

5-year net change: -39 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	8,766	73.07%	14.13%
2022	9,465	73.52%	13.86%
2021	11,506	74.71%	14.73%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2022	Satisfactory	Large Bank
Jul 2019	Satisfactory	Large Bank
Jul 2016	Satisfactory	Large Bank

9 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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