Community Bank System Inc Net Asset Quality Index
Community Bank System Inc net asset quality index. Community Bank System Inc (CBU) has a Net Asset Quality Index of 11.4% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $17.74 Billion minus total liabilities of $15.72 Billion yields net assets of $2.02 Billion. A higher index indicates a stronger, lower-leverage balance sheet. See Community Bank System Inc book value and equity for net asset value and shareholders' equity analysis.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of Community Bank System Inc (1989–2025)
Net asset quality index of Community Bank System Inc from 1989 to 2025. This chart shows how Community Bank System Inc's Net Asset Quality Index has evolved across 37 annual periods from 1989 to 2025. As of March 2026, the index stands at 11.4%, representing net assets of $2.02 Billion against total assets of $17.74 Billion USD. Check CBU strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Community Bank System Inc Net Asset Quality Index by Year (1989–2025)
Community Bank System Inc net asset quality index by year from 1989 to 2025. The table below presents the year-by-year Net Asset Quality Index for Community Bank System Inc from 1989 to 2025, covering 37 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For live market cap and overall valuation, see CBU market cap.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 11.5% | $2.01 Billion | $17.41 Billion | $15.41 Billion | ▲ +0.8 pp |
| 2024 | 10.8% | $1.76 Billion | $16.39 Billion | $14.62 Billion | ▼ -0.2 pp |
| 2023 | 10.9% | $1.70 Billion | $15.56 Billion | $13.86 Billion | ▲ +1.1 pp |
| 2022 | 9.8% | $1.55 Billion | $15.84 Billion | $14.28 Billion | ▼ -3.7 pp |
| 2021 | 13.5% | $2.10 Billion | $15.55 Billion | $13.45 Billion | ▼ -1.6 pp |
| 2020 | 15.1% | $2.10 Billion | $13.93 Billion | $11.83 Billion | ▼ -1.2 pp |
| 2019 | 16.3% | $1.86 Billion | $11.41 Billion | $9.56 Billion | ▲ +0.1 pp |
| 2018 | 16.2% | $1.71 Billion | $10.61 Billion | $8.89 Billion | ▲ +0.9 pp |
| 2017 | 15.2% | $1.64 Billion | $10.75 Billion | $9.11 Billion | ▲ +1.4 pp |
| 2016 | 13.8% | $1.20 Billion | $8.67 Billion | $7.47 Billion | ▲ +0.5 pp |
| 2015 | 13.3% | $1.14 Billion | $8.55 Billion | $7.41 Billion | ▲ +0.1 pp |
| 2014 | 13.2% | $987.90 Million | $7.49 Billion | $6.50 Billion | ▲ +0.8 pp |
| 2013 | 12.3% | $875.81 Million | $7.10 Billion | $6.22 Billion | ▲ +0.3 pp |
| 2012 | 12.0% | $902.78 Million | $7.50 Billion | $6.59 Billion | ▲ +0.1 pp |
| 2011 | 11.9% | $774.58 Million | $6.49 Billion | $5.71 Billion | ▲ +0.8 pp |
| 2010 | 11.2% | $607.26 Million | $5.44 Billion | $4.84 Billion | ▲ +0.7 pp |
| 2009 | 10.5% | $565.70 Million | $5.40 Billion | $4.84 Billion | ▼ -0.1 pp |
| 2008 | 10.5% | $544.65 Million | $5.17 Billion | $4.63 Billion | ▲ +0.3 pp |
| 2007 | 10.2% | $478.78 Million | $4.70 Billion | $4.22 Billion | ▼ -0.1 pp |
| 2006 | 10.3% | $461.53 Million | $4.50 Billion | $4.04 Billion | ▼ -0.8 pp |
| 2005 | 11.0% | $457.60 Million | $4.15 Billion | $3.70 Billion | ▲ +0.2 pp |
| 2004 | 10.8% | $474.63 Million | $4.39 Billion | $3.92 Billion | ▲ +0.3 pp |
| 2003 | 10.5% | $404.83 Million | $3.86 Billion | $3.45 Billion | ▲ +1.0 pp |
| 2002 | 9.5% | $325.04 Million | $3.43 Billion | $3.11 Billion | ▲ +1.1 pp |
| 2001 | 8.3% | $267.98 Million | $3.21 Billion | $2.94 Billion | ▼ -0.4 pp |
| 2000 | 8.7% | $231.62 Million | $2.65 Billion | $2.42 Billion | ▲ +1.2 pp |
| 1999 | 7.5% | $138.30 Million | $1.84 Billion | $1.70 Billion | ▲ +0.4 pp |
| 1998 | 7.2% | $120.20 Million | $1.68 Billion | $1.56 Billion | ▼ -0.1 pp |
| 1997 | 7.2% | $118.00 Million | $1.63 Billion | $1.52 Billion | ▼ -0.9 pp |
| 1996 | 8.1% | $109.40 Million | $1.34 Billion | $1.23 Billion | ▼ -0.5 pp |
| 1995 | 8.7% | $100.10 Million | $1.15 Billion | $1.05 Billion | ▲ +1.4 pp |
| 1994 | 7.2% | $66.30 Million | $915.50 Million | $849.20 Million | ▼ -1.5 pp |
| 1993 | 8.7% | $62.00 Million | $713.10 Million | $651.10 Million | ▲ +0.7 pp |
| 1992 | 8.0% | $53.40 Million | $669.30 Million | $615.90 Million | ▲ +0.4 pp |
| 1991 | 7.6% | $48.20 Million | $634.50 Million | $586.30 Million | ▲ +0.1 pp |
| 1990 | 7.5% | $46.40 Million | $617.90 Million | $571.50 Million | ▼ -0.4 pp |
| 1989 | 7.9% | $46.40 Million | $586.10 Million | $539.70 Million | — |