Community Bank System Inc (CBU) — Net Asset Quality Index
Community Bank System Inc (CBU) has a Net Asset Quality Index of 11.5% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $17.41 Billion minus total liabilities of $15.41 Billion yields net assets of $2.01 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check Community Bank System Inc liquidity resilience to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Community Bank System Inc Net Asset Quality Index Over Time (1989–2025)
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 December 2025, the index stands at 11.5%, representing net assets of $2.01 Billion against total assets of $17.41 Billion USD. See Community Bank System Inc (CBU) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Community Bank System Inc (1989–2025)
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 market capitalisation and the full company profile, see how much is Community Bank System Inc worth.
| 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 | — |