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Community Financial System CBU Required Capital Conservation Ratio

Required Capital Conservation Ratio at other companies

GBC
Glacier BancorpGBCI
2.5%0.0pp
M&T Bank logo
M&T BankMTB
2.7%-1.1pp
M&T Bank logo
M&T BankMTB
2.5%0.0pp
Banner Corporation logo
Banner CorporationBANR
$1.11B+2.9%
GBC
Glacier BancorpGBCI
$1.84B+19.0%
WSFS Financial logo
WSFS FinancialWSFS
$1.29B-1.5%

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$3.39B+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 cbu:RequiredCapitalConservationRatio.

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 required capital conservation ratio?
Community Financial System (CBU) reported required capital conservation ratio of 2.5% in Q4 2025.
How has Community Financial System's required capital conservation ratio changed year-over-year?
Community Financial System's required capital conservation ratio decreased by 0.0% year-over-year, from 2.5% to 2.5%.
What is the long-term trend for Community Financial System's required capital conservation ratio?
Over 5 years (2020 to 2025), Community Financial System's required capital conservation ratio has grown at a 0.0% compound annual growth rate (CAGR), from 2.5% to 2.5%.
What does required capital conservation ratio mean?
This represents the mandatory buffer of high-quality capital that a financial institution must maintain above its minimum regulatory capital requirements. It is designed to ensure that banks have sufficient capital to absorb losses during periods of economic stress. Maintaining this ratio is a fundamental regulatory requirement for ongoing operational stability.