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REGULATORY MATTERS (Tables) | 12 Months Ended
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Dec. 31, 2019
REGULATORY MATTERS [Abstract] |
Capital Ratios and Amounts | As of December 31, 2019, the OCC categorized the Company and Bank as “well capitalized” under the regulatory framework for prompt corrective action.
|  | Actual |  |  | For capital adequacy purposes |  |  | For capital adequacy purposes plus Capital Conservation Buffer |  |  | To be well-capitalized under prompt corrective action |
(000’s omitted) |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
Community Bank System, Inc.: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 Leverage ratio |  | $ | 1,148,336 |  |  |  | 10.80 | % |  | $ | 425,431 |  |  |  | 4.00 | % |  |  |  |  |  |  |  | $ | 531,788 |  |  |  | 5.00 | %
Tier 1 risk-based capital |  |  | 1,148,336 |  |  |  | 17.23 | % |  |  | 399,834 |  |  |  | 6.00 | % |  | $ | 566,432 |  |  |  | 8.50 | % |  |  | 533,112 |  |  |  | 8.00 | %
Total risk-based capital |  |  | 1,198,724 |  |  |  | 17.99 | % |  |  | 533,112 |  |  |  | 8.00 | % |  |  | 699,710 |  |  |  | 10.50 | % |  |  | 666,390 |  |  |  | 10.00 | %
Common equity tier 1 capital |  |  | 1,073,281 |  |  |  | 16.11 | % |  |  | 299,876 |  |  |  | 4.50 | % |  |  | 466,473 |  |  |  | 7.00 | % |  |  | 433,154 |  |  |  | 6.50 | %
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 Leverage ratio |  | $ | 1,093,166 |  |  |  | 11.08 | % |  | $ | 394,700 |  |  |  | 4.00 | % |  |  |  |  |  |  |  |  |  | $ | 493,375 |  |  |  | 5.00 | %
Tier 1 risk-based capital |  |  | 1,093,166 |  |  |  | 18.23 | % |  |  | 359,747 |  |  |  | 6.00 | % |  | $ | 472,168 |  |  |  | 7.875 | % |  |  | 479,662 |  |  |  | 8.00 | %
Total risk-based capital |  |  | 1,142,927 |  |  |  | 19.06 | % |  |  | 479,662 |  |  |  | 8.00 | % |  |  | 592,083 |  |  |  | 9.875 | % |  |  | 599,578 |  |  |  | 10.00 | %
Common equity tier 1 capital |  |  | 998,111 |  |  |  | 16.65 | % |  |  | 269,810 |  |  |  | 4.50 | % |  |  | 382,231 |  |  |  | 6.375 | % |  |  | 389,726 |  |  |  | 6.50 | %
Community Bank, N.A.: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 Leverage ratio |  | $ | 910,364 |  |  |  | 8.61 | % |  | $ | 422,882 |  |  |  | 4.00 | % |  |  |  |  |  |  |  |  |  | $ | 528,603 |  |  |  | 5.00 | %
Tier 1 risk-based capital |  |  | 910,364 |  |  |  | 13.79 | % |  |  | 396,064 |  |  |  | 6.00 | % |  | $ | 561,091 |  |  |  | 8.50 | % |  |  | 528,086 |  |  |  | 8.00 | %
Total risk-based capital |  |  | 960,752 |  |  |  | 14.55 | % |  |  | 528,086 |  |  |  | 8.00 | % |  |  | 693,113 |  |  |  | 10.50 | % |  |  | 660,107 |  |  |  | 10.00 | %
Common equity tier 1 capital |  |  | 910,309 |  |  |  | 13.79 | % |  |  | 297,048 |  |  |  | 4.50 | % |  |  | 462,075 |  |  |  | 7.00 | % |  |  | 429,070 |  |  |  | 6.50 | %
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 Leverage ratio |  | $ | 912,995 |  |  |  | 9.32 | % |  | $ | 391,953 |  |  |  | 4.00 | % |  |  |  |  |  |  |  |  |  | $ | 489,941 |  |  |  | 5.00 | %
Tier 1 risk-based capital |  |  | 912,995 |  |  |  | 15.35 | % |  |  | 356,973 |  |  |  | 6.00 | % |  | $ | 468,527 |  |  |  | 7.875 | % |  |  | 475,964 |  |  |  | 8.00 | %
Total risk-based capital |  |  | 962,756 |  |  |  | 16.18 | % |  |  | 475,964 |  |  |  | 8.00 | % |  |  | 587,518 |  |  |  | 9.875 | % |  |  | 594,955 |  |  |  | 10.00 | %
Common equity tier 1 capital |  |  | 912,940 |  |  |  | 15.35 | % |  |  | 267,730 |  |  |  | 4.50 | % |  |  | 379,284 |  |  |  | 6.375 | % |  |  | 386,721 |  |  |  | 6.50 | %

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