Community Bank System Inc (CBU) - Total Assets
Based on the latest financial reports, Community Bank System Inc (CBU) holds total assets worth $17.74 Billion USD as of March 2026. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Community Bank System Inc - Total Assets Trend (1989–2025)
This chart illustrates how Community Bank System Inc's total assets have evolved over time, based on quarterly financial data. Also see Community Bank System Inc stock valuation for the company's overall valuation and market capitalisation.
Community Bank System Inc - Asset Composition Analysis
Current Asset Composition (December 2025)
Community Bank System Inc's total assets of $17.74 Billion consist of 2.1% current assets and 97.9% non-current assets. Review debt load of Community Bank System Inc to assess the company's total debt and financial obligations.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 1.7% |
| Accounts Receivable | $57.73 Million | 0.3% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $254.24 Million | 1.5% |
| Intangible Assets | $54.74 Million | 0.3% |
| Goodwill | $887.98 Million | 5.1% |
Asset Composition Trend (1989–2025)
This chart illustrates how Community Bank System Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. See CBU stock price for real-time trading data and today's change.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Community Bank System Inc's current assets represent 2.1% of total assets in 2025, a decrease from 7.8% in 1989.
- Cash Position: Cash and equivalents constituted 1.7% of total assets in 2025, down from 7.0% in 1989.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 5.0% of total assets, an increase from 0.0% in 1989.
- Asset Diversification: The largest asset category is goodwill at 5.1% of total assets.
Community Bank System Inc Competitors by Total Assets
Key competitors of Community Bank System Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
PT BK CE.AS.ADR/25 RP625
F:BZG
|
Germany | €1586.83 Trillion |
|
Santander Bank Polska S.A.
WAR:SPL
|
Poland | zł308.15 Billion |
|
Banco Santander Chile
NYSE:BSAC
|
USA | $70.32 Trillion |
|
Bank of Baroda
NSE:BANKBARODA
|
India | Rs19.71 Trillion |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR
|
Turkey | TL5.39 Trillion |
|
Ringkjoebing Landbobank A/S
CO:RILBA
|
Denmark | Dkr90.92 Billion |
|
Moneta Money Bank AS
PR:MONET
|
Czech Republic | Kč525.16 Billion |
|
ABSA Bank Limited
JSE:ABSP
|
South Africa | ZAC1.16 Trillion |
Community Bank System Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 2.85 | 0.06 | 0.49 |
| Quick Ratio | 2.85 | 0.06 | 0.67 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $371.15 Million | $-13.27 Billion | $-6.48 Billion |
Community Bank System Inc - Advanced Valuation Insights
This section examines the relationship between Community Bank System Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.68 |
| Latest Market Cap to Assets Ratio | 0.19 |
| Asset Growth Rate (YoY) | 6.3% |
| Total Assets | $17.41 Billion |
| Market Capitalization | $3.30 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Community Bank System Inc's assets below their book value (0.19x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Community Bank System Inc's assets grew by 6.3% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Community Bank System Inc (1989–2025)
The table below shows the annual total assets of Community Bank System Inc from 1989 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $17.41 Billion | +6.27% |
| 2024-12-31 | $16.39 Billion | +5.34% |
| 2023-12-31 | $15.56 Billion | -1.77% |
| 2022-12-31 | $15.84 Billion | +1.82% |
| 2021-12-31 | $15.55 Billion | +11.64% |
| 2020-12-31 | $13.93 Billion | +22.09% |
| 2019-12-31 | $11.41 Billion | +7.57% |
| 2018-12-31 | $10.61 Billion | -1.29% |
| 2017-12-31 | $10.75 Billion | +23.98% |
| 2016-12-31 | $8.67 Billion | +1.34% |
| 2015-12-31 | $8.55 Billion | +14.20% |
| 2014-12-31 | $7.49 Billion | +5.55% |
| 2013-12-31 | $7.10 Billion | -5.35% |
| 2012-12-31 | $7.50 Billion | +15.54% |
| 2011-12-31 | $6.49 Billion | +19.17% |
| 2010-12-31 | $5.44 Billion | +0.77% |
| 2009-12-31 | $5.40 Billion | +4.41% |
| 2008-12-31 | $5.17 Billion | +10.16% |
| 2007-12-31 | $4.70 Billion | +4.44% |
| 2006-12-31 | $4.50 Billion | +8.31% |
| 2005-12-31 | $4.15 Billion | -5.49% |
| 2004-12-31 | $4.39 Billion | +13.97% |
| 2003-12-31 | $3.86 Billion | +12.26% |
| 2002-12-31 | $3.43 Billion | +6.96% |
| 2001-12-31 | $3.21 Billion | +21.13% |
| 2000-12-31 | $2.65 Billion | +44.00% |
| 1999-12-31 | $1.84 Billion | +9.52% |
| 1998-12-31 | $1.68 Billion | +2.88% |
| 1997-12-31 | $1.63 Billion | +21.56% |
| 1996-12-31 | $1.34 Billion | +16.66% |
| 1995-12-31 | $1.15 Billion | +25.83% |
| 1994-12-31 | $915.50 Million | +28.38% |
| 1993-12-31 | $713.10 Million | +6.54% |
| 1992-12-31 | $669.30 Million | +5.48% |
| 1991-12-31 | $634.50 Million | +2.69% |
| 1990-12-31 | $617.90 Million | +5.43% |
| 1989-12-31 | $586.10 Million | -- |
About Community Bank System Inc
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-rel… Read more