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Community Financial System CBU FHLB advances borrowing capacity

FHLB advances borrowing capacity at other companies

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Center BancorpCNOB
$1.8B+50.0%

Other financials

Income statement

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Revenue$213.3M+8.7%
Net income$57.2M+15.3%
EPS (diluted)$1.08+16.1%

Balance sheet

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Cash & equivalents$572.2M+10.5%
Total debt$437.7M-25.3%
Total equity$2.0B+10.4%
Total assets$17.7B+5.8%

Cash flow

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Operating cash flow$71.6M+14.5%
CapEx$11.3M+6.7%
Free cash flow$60.3M+16.1%

Valuation

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Market cap$3.5B+2.6%

Profitability

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Net margin26.1%+1.1pp
FCF margin28.9%+3.3pp

Returns & leverage

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Return on equity11.3%+0.3pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.

The official record: Community Financial System’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Community Financial System's FHLB advances borrowing capacity?
Community Financial System (CBU) reported FHLB advances borrowing capacity of $1.58B in Q4 2025.
How has Community Financial System's FHLB advances borrowing capacity changed year-over-year?
Community Financial System's FHLB advances borrowing capacity increased by 32.8% year-over-year, from $1.19B to $1.58B.
What is the long-term trend for Community Financial System's FHLB advances borrowing capacity?
Over 5 years (2020 to 2025), Community Financial System's FHLB advances borrowing capacity has grown at a -1.0% compound annual growth rate (CAGR), from $1.66B to $1.58B.
What does FHLB advances borrowing capacity mean?
This reflects the total remaining borrowing capacity available to the bank through the Federal Home Loan Bank system, based on pledged collateral. It serves as a critical measure of contingent liquidity, indicating the bank's ability to raise cash during periods of market stress. A higher capacity provides greater assurance of the bank's ability to fund operations and meet deposit outflows.