Community Financial System CBU Number Of Customer Facilities

As of December 31, 2025, the Bank operated 192 full-service branches and 8 drive-thru only locations operating as Community Bank, N.A. throughout 42 counties of Upstate New York, 9 counties of Northeastern Pennsylvania, 12 counties of Vermont, 1 county of Western Massachusetts and 1 county of Southern New Hampshire, offering a range of commercial and retail banking services. The Bank owns the following operating subsidiaries: CBNA Preferred Funding Corporation (“PFC”), CBNA Treasury Management Corporation (“TMC”), Nottingham Investment Services, Inc. (“NISI”), Nottingham Advisors, Inc. (“Nottingham”), OneGroup NY, Inc. (“OneGroup”), Nottingham Wealth Partners, Inc. (“Wealth Partners”) and Oneida Preferred Funding II LLC (“OPFC II”). OneGroup is a full-service insurance agency offering personal and commercial lines of insurance and other risk management products and services. PFC and OPFC II primarily act as investors in residential and commercial real estate activities. TMC provides cash management, investment, and treasury services to the Bank. NISI and Wealth Partners provide broker-dealer and investment advisory services. Nottingham provides asset management services to individuals, corporations, corporate pension and profit sharing plans, and foundations. NISI, Nottingham, Wealth Partners and the Nottingham Trust division within the Bank are collectively referred to as Nottingham Financial Group (“NFG”).