SEC filings / CIK 723188
COMMUNITY FINANCIAL SYSTEM, INC.
National commercial banks, NY. 14 10-K filer-years in this dataset, the most recent for FY2025, filed Feb 27, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.
This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.
Held-to-maturity gap against reported equity
The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.
The gap is computable for 3 of this company’s 14 filings.
Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology
Filing history, as filed
| FY | Filed | Assets | Deposits | Equity | AOCI | HTM carrying | HTM fair value | Gap, % of equity | Custom facts |
|---|---|---|---|---|---|---|---|---|---|
| 2025p | Feb 27, 2026 | $17.30bn | $14.39bn | $2.01bn | -$419.0m | n/a | $1.37bn | n/a | 23.3% |
| 2024 | Feb 28, 2025 | $16.39bn | $13.44bn | $1.76bn | -$548.1m | n/a | $1.22bn | n/a | 21.0% |
| 2023 | Feb 29, 2024 | $15.56bn | $12.93bn | $1.70bn | -$556.9m | n/a | $1.12bn | n/a | 21.0% |
| 2022 | Mar 1, 2023 | $15.84bn | $13.01bn | $1.55bn | -$686.4m | $1.08bn | $1.03bn | -2.9% | 23.6% |
| 2021 | Mar 1, 2022 | $15.55bn | $12.91bn | $2.10bn | -$50.6m | n/a | n/a | n/a | 17.1% |
| 2020 | Mar 1, 2021 | $13.93bn | $11.22bn | $2.10bn | $62.1m | n/a | n/a | n/a | 19.6% |
| 2019 | Mar 2, 2020 | $11.41bn | $8.99bn | $1.86bn | -$10.2m | n/a | n/a | n/a | 20.2% |
| 2018 | Mar 1, 2019 | $10.61bn | $8.32bn | $1.71bn | -$45.3m | n/a | n/a | n/a | 18.4% |
| 2017 | Mar 1, 2018 | $10.75bn | $8.44bn | $1.64bn | -$3.7m | n/a | n/a | n/a | 9.6% |
| 2016 | Mar 1, 2017 | $8.67bn | $7.08bn | $1.20bn | $7.8m | n/a | n/a | n/a | 9.7% |
| 2015 | Feb 29, 2016 | $8.55bn | $6.87bn | $1.14bn | $19.2m | n/a | n/a | n/a | 9.6% |
| 2014 | Mar 2, 2015 | $7.49bn | $5.94bn | $987.9m | $30.7m | n/a | n/a | n/a | 9.7% |
| 2013 | Mar 3, 2014 | $7.10bn | $5.90bn | $875.8m | -$26.5m | $0 | $0 | 0.0% | 9.5% |
| 2012 | Mar 1, 2013 | $7.50bn | $5.63bn | $902.8m | $54.3m | $637.9m | $704.0m | +7.3% | 14.5% |
ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.
Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology
What this page cannot tell you
- A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
- A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
- AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
- Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.
Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.