What is Community Financial System's time deposits?

Community Financial System (CBU) reported time deposits of $2.21B in Q4 2025.

How has Community Financial System's time deposits changed year-over-year?

Community Financial System's time deposits increased by 1.3% year-over-year, from $2.18B to $2.21B.

What is the long-term trend for Community Financial System's time deposits?

Over 5 years (2020 to 2025), Community Financial System's time deposits has grown at a 18.8% compound annual growth rate (CAGR), from $933.77M to $2.21B.

Community Financial System CBU Time Deposits

Time Deposits at other companies

M&T BankMTB

——

Independent Bank CorpINDB

——

Eastern Bankshares, Inc.EBC

——

International BancsharesIBOC

——

Simmons First NationalSFNC

——

HOM

Home BancSharesHOMB

——

Other financials

Income statement

See full

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

See full

Operating cash flow$71.6M+14.5%

CapEx$11.3M+6.7%

Free cash flow$60.3M+16.1%

Valuation

See full

Market cap$3.39B+2.6%

Profitability

See full

Net margin26.1%+1.1pp

FCF margin28.9%+3.3pp

Returns & leverage

See full

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:TimeDeposits.

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 time deposits?: Community Financial System (CBU) reported time deposits of $2.21B in Q4 2025.
How has Community Financial System's time deposits changed year-over-year?: Community Financial System's time deposits increased by 1.3% year-over-year, from $2.18B to $2.21B.
What is the long-term trend for Community Financial System's time deposits?: Over 5 years (2020 to 2025), Community Financial System's time deposits has grown at a 18.8% compound annual growth rate (CAGR), from $933.77M to $2.21B.