Community Bank System Inc (CBU) — Tangible Net Worth Ratio
Community Bank System Inc (CBU) has a Tangible Net Worth Ratio of 97.3% as of March 2026. This metric is calculated by deducting intangible assets ($53.97 Million) from net assets ($2.02 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. Also explore Community Bank System Inc annual equity growth to track the company's year-over-year net asset growth rate.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Community Bank System Inc Tangible Net Worth Ratio (1989–2025)
This chart shows how Community Bank System Inc's Tangible Net Worth Ratio has changed across 37 annual periods from 1989 to 2025. As of March 2026, the ratio stands at 97.3%, reflecting net assets of $2.02 Billion with intangible assets of $53.97 Million USD. For live market cap and overall valuation, see Community Bank System Inc market cap and net worth.
Annual Tangible Net Worth Ratio for Community Bank System Inc (1989–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Community Bank System Inc from 1989 to 2025, covering 37 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. Explore Community Bank System Inc capital spending ratio to see what proportion of operating cash flow is directed to capital expenditures.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 97.3% | $2.01 Billion | $54.74 Million | $17.41 Billion | ▲ +0.0 pp |
| 2024 | 97.3% | $1.76 Billion | $48.25 Million | $16.39 Billion | ▲ +0.4 pp |
| 2023 | 96.9% | $1.70 Billion | $52.59 Million | $15.56 Billion | ▲ +0.8 pp |
| 2022 | 96.1% | $1.55 Billion | $61.00 Million | $15.84 Billion | ▼ -0.8 pp |
| 2021 | 96.9% | $2.10 Billion | $65.23 Million | $15.55 Billion | ▼ -0.6 pp |
| 2020 | 97.5% | $2.10 Billion | $52.94 Million | $13.93 Billion | ▲ +0.9 pp |
| 2019 | 96.6% | $1.86 Billion | $63.11 Million | $11.41 Billion | ▲ +0.9 pp |
| 2018 | 95.7% | $1.71 Billion | $73.85 Million | $10.61 Billion | ▲ +1.2 pp |
| 2017 | 94.5% | $1.64 Billion | $90.66 Million | $10.75 Billion | ▼ -4.2 pp |
| 2016 | 98.7% | $1.20 Billion | $15.70 Million | $8.67 Billion | ▲ +0.5 pp |
| 2015 | 98.2% | $1.14 Billion | $20.89 Million | $8.55 Billion | ▼ -0.6 pp |
| 2014 | 98.8% | $987.90 Million | $11.80 Million | $7.49 Billion | ▲ +0.6 pp |
| 2013 | 98.2% | $875.81 Million | $15.51 Million | $7.10 Billion | ▲ +0.2 pp |
| 2012 | 98.1% | $902.78 Million | $17.43 Million | $7.50 Billion | ▲ +0.1 pp |
| 2011 | 98.0% | $774.58 Million | $15.51 Million | $6.49 Billion | ▲ +0.3 pp |
| 2010 | 97.7% | $607.26 Million | $14.02 Million | $5.44 Billion | ▲ +1.2 pp |
| 2009 | 96.5% | $565.70 Million | $19.98 Million | $5.40 Billion | ▲ +1.5 pp |
| 2008 | 95.0% | $544.65 Million | $27.48 Million | $5.17 Billion | ▲ +48.5 pp |
| 2007 | 46.5% | $478.78 Million | $256.22 Million | $4.70 Billion | ▼ -48.2 pp |
| 2006 | 94.7% | $461.53 Million | $24.66 Million | $4.50 Billion | ▲ +0.1 pp |
| 2005 | 94.6% | $457.60 Million | $24.75 Million | $4.15 Billion | ▲ +0.5 pp |
| 2004 | 94.1% | $474.63 Million | $27.95 Million | $4.39 Billion | ▲ +0.5 pp |
| 2003 | 93.6% | $404.83 Million | $25.85 Million | $3.86 Billion | ▲ +0.6 pp |
| 2002 | 93.0% | $325.04 Million | $22.79 Million | $3.43 Billion | ▲ +1.4 pp |
| 2001 | 91.6% | $267.98 Million | $22.56 Million | $3.21 Billion | ▲ +1.0 pp |
| 2000 | 90.6% | $231.62 Million | $21.87 Million | $2.65 Billion | ▲ +0.8 pp |
| 1999 | 89.7% | $138.30 Million | $14.20 Million | $1.84 Billion | ▲ +0.0 pp |
| 1998 | 89.7% | $120.20 Million | $12.40 Million | $1.68 Billion | ▲ +1.0 pp |
| 1997 | 88.6% | $118.00 Million | $13.40 Million | $1.63 Billion | ▼ -1.5 pp |
| 1996 | 90.1% | $109.40 Million | $10.80 Million | $1.34 Billion | ▼ -0.7 pp |
| 1995 | 90.8% | $100.10 Million | $9.20 Million | $1.15 Billion | ▲ +0.9 pp |
| 1994 | 89.9% | $66.30 Million | $6.70 Million | $915.50 Million | ▼ -10.1 pp |
| 1993 | 100.0% | $62.00 Million | $0.00 | $713.10 Million | ▲ +10.3 pp |
| 1992 | 89.7% | $53.40 Million | $5.50 Million | $669.30 Million | ▼ -0.1 pp |
| 1991 | 89.8% | $48.20 Million | $4.90 Million | $634.50 Million | ▲ +1.3 pp |
| 1990 | 88.6% | $46.40 Million | $5.30 Million | $617.90 Million | ▼ -1.3 pp |
| 1989 | 89.9% | $46.40 Million | $4.70 Million | $586.10 Million | — |