Risk factors

Community Financial System (CBU) risk factors

Item 1A of every Community Financial System, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    36 risks2 reworded

    The risk updates focus entirely on regulatory scrutiny from recent bank failures and maintaining adequate funding and liquidity.

    Filed Feb 27, 2026
  • FY2024 10-K risk factors
    36 risks

    Community Financial System faces primary risks from interest rate volatility, regional economic conditions in New York and Pennsylvania, and evolving cyber and data security threats.

    Filed Feb 28, 2025