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Community Bank

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Community Bank Rates & Review May 2026

Q: How many branches does Community Bank operate?

Community Bank currently maintains approximately 203 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

Community Bank's Personal Loan Rates are at 7.49%. MonitorBankRates evaluates the financial stability of Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates were last updated on 05/04/2026.

Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community Bank? Share your experience about Community Bank by leaving a review below, or read customer reviews before you decide to use Community Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.23%

Excellent Lower than avg

Community Bank

45-49 Court Street
Canton, NY 13617

https://www.cbna.com

Community Bank Personal Loan Rates

Product	Rate	APR	View More
Unsecured Personal loan rate special	-	7.49%
Details FIXED APR WITH AUTO PAY Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community Bank

Bank Holding Company COMMUNITY FINANCIAL SYSTEM INC

Address 45-49 Court Street, Canton, NY 13617 · St. Lawrence

Website https://www.cbna.com

FDIC Certificate # 6989

Established 01/01/1866

FDIC Insurance Date 01/01/1934

Domestic Offices 203

Total Branches 203

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.23%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6724%

Return on Equity (ROE) 8.5300%

Non-Performing Loans (NPL) 0.22%

Total Assets $17,000,592,000

Total Deposits $14,553,206,000

Equity Capital $1,615,176,000

Net Income $182,973,000

Headquarters Canton

Total Offices 203

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Community Bank

Is Community Bank a safe place to deposit money?

Yes, Community Bank is considered a safe financial institution. With a Texas Ratio of 3.2312142670312%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Community Bank operate?

Community Bank currently maintains approximately 203 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Community Bank offer online and mobile banking?

Most modern institutions like Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbna.com.