XML 82 R67.htm IDEA: XBRL DOCUMENT
v3.22.0.1

LOANS - Amount of Business Lending Loans by Credit Quality Categories (Details) - USD ($) $ in Thousands | Dec. 31, 2021 | Dec. 31, 2020
--- | --- | ---
Term Loans Amortized Cost Basis by Origination Year |  |
Loans | $ 7,373,639 | $ 7,415,952
Legacy Loan [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
Loans | 7,373,639 | 7,415,952
Business Lending |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 532,141 |
2020 | 341,665 | 881,201
2019 | 351,064 | 391,969
2018 | 334,790 | 373,807
2017 | 230,502 | 263,820
2016 |  | 275,730
Prior | 705,731 | 660,921
Revolving Loans Amortized Cost Basis | 580,011 | 592,629
Total past due | 3,075,904 | 3,440,077
Business Lending | Pass [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 524,302 |
2020 | 328,885 | 860,178
2019 | 320,638 | 351,350
2018 | 248,175 | 312,087
2017 | 186,074 | 217,138
2016 |  | 231,453
Prior | 584,912 | 543,999
Revolving Loans Amortized Cost Basis | 524,553 | 483,018
Total past due | 2,717,539 | 2,999,223
Business Lending | Special Mention [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 5,969 |
2020 | 11,013 | 14,687
2019 | 10,111 | 36,041
2018 | 46,318 | 28,410
2017 | 22,524 | 21,875
2016 |  | 29,386
Prior | 57,134 | 51,657
Revolving Loans Amortized Cost Basis | 27,444 | 52,732
Total past due | 180,513 | 234,788
Business Lending | Classified [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 1,870 |
2020 | 1,767 | 6,336
2019 | 20,315 | 4,560
2018 | 40,235 | 30,422
2017 | 21,904 | 24,807
2016 |  | 14,891
Prior | 63,685 | 65,157
Revolving Loans Amortized Cost Basis | 27,511 | 56,000
Total past due | 177,287 | 202,173
Business Lending | Doubtful [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 0 |
2020 | 0 | 0
2019 | 0 | 18
2018 | 62 | 2,888
2017 | 0 | 0
2016 |  | 0
Prior | 0 | 108
Revolving Loans Amortized Cost Basis | 503 | 879
Total past due | 565 | 3,893
Consumer Mortgage |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 683,550 |
2020 | 352,373 | 375,637
2019 | 269,694 | 330,825
2018 | 173,187 | 248,468
2017 | 172,187 | 240,217
2016 |  | 246,256
Prior | 880,095 | 942,393
Revolving Loans Amortized Cost Basis | 25,028 | 17,703
Total past due | 2,556,114 | 2,401,499
Consumer Mortgage | FICO AB [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 514,680 |
2020 | 229,305 | 260,588
2019 | 183,469 | 227,027
2018 | 113,749 | 166,913
2017 | 116,852 | 164,051
2016 |  | 161,256
Prior | 569,365 | 617,685
Revolving Loans Amortized Cost Basis | 0 | 321
Total past due | 1,727,420 | 1,597,841
Consumer Mortgage | FICO AB [Member] | Performing [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 514,680 |
2020 | 229,039 | 260,588
2019 | 183,469 | 227,027
2018 | 113,618 | 166,638
2017 | 116,417 | 163,653
2016 |  | 160,911
Prior | 566,129 | 614,976
Revolving Loans Amortized Cost Basis | 0 | 321
Total past due | 1,723,352 | 1,594,114
Consumer Mortgage | FICO AB [Member] | Nonperforming Financial Instruments [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 0 |
2020 | 266 | 0
2019 | 0 | 0
2018 | 131 | 275
2017 | 435 | 398
2016 |  | 345
Prior | 3,236 | 2,709
Revolving Loans Amortized Cost Basis | 0 | 0
Total past due | 4,068 | 3,727
Consumer Mortgage | FICO CDE [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 168,870 |
2020 | 123,068 | 115,049
2019 | 86,225 | 103,798
2018 | 59,438 | 81,555
2017 | 55,335 | 76,166
2016 |  | 85,000
Prior | 310,730 | 324,708
Revolving Loans Amortized Cost Basis | 25,028 | 17,382
Total past due | 828,694 | 803,658
Consumer Mortgage | FICO CDE [Member] | Performing [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 168,870 |
2020 | 122,546 | 115,049
2019 | 85,253 | 102,788
2018 | 57,973 | 80,973
2017 | 54,396 | 75,289
2016 |  | 83,214
Prior | 300,341 | 314,668
Revolving Loans Amortized Cost Basis | 25,028 | 17,382
Total past due | 814,407 | 789,363
Consumer Mortgage | FICO CDE [Member] | Nonperforming Financial Instruments [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 0 |
2020 | 522 | 0
2019 | 972 | 1,010
2018 | 1,465 | 582
2017 | 939 | 877
2016 |  | 1,786
Prior | 10,389 | 10,040
Revolving Loans Amortized Cost Basis | 0 | 0
Total past due | 14,287 | 14,295
Consumer Indirect |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 590,857 |
2020 | 204,563 | 303,522
2019 | 182,458 | 305,953
2018 | 107,707 | 202,455
2017 | 39,402 | 86,514
2016 |  | 61,465
Prior | 64,762 | 61,976
Revolving Loans Amortized Cost Basis | 0 | 0
Total past due | 1,189,749 | 1,021,885
Consumer Indirect | Performing [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 590,857 |
2020 | 204,529 | 303,471
2019 | 182,458 | 305,901
2018 | 107,683 | 202,373
2017 | 39,385 | 86,497
2016 |  | 61,449
Prior | 64,750 | 61,975
Revolving Loans Amortized Cost Basis | 0 | 0
Total past due | 1,189,662 | 1,021,666
Consumer Indirect | Nonperforming Financial Instruments [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 0 |
2020 | 34 | 51
2019 | 0 | 52
2018 | 24 | 82
2017 | 17 | 17
2016 |  | 16
Prior | 12 | 1
Revolving Loans Amortized Cost Basis | 0 | 0
Total past due | 87 | 219
Consumer Direct |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 72,584 |
2020 | 28,909 | 49,182
2019 | 24,788 | 47,011
2018 | 12,341 | 27,874
2017 | 4,396 | 12,331
2016 |  | 5,232
Prior | 4,575 | 4,149
Revolving Loans Amortized Cost Basis | 6,218 | 6,878
Total past due | 153,811 | 152,657
Consumer Direct | Performing [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 72,584 |
2020 | 28,905 | 49,181
2019 | 24,770 | 46,992
2018 | 12,340 | 27,872
2017 | 4,396 | 12,326
2016 |  | 5,232
Prior | 4,575 | 4,146
Revolving Loans Amortized Cost Basis | 6,218 | 6,878
Total past due | 153,788 | 152,627
Consumer Direct | Nonperforming Financial Instruments [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 0 |
2020 | 4 | 1
2019 | 18 | 19
2018 | 1 | 2
2017 | 0 | 5
2016 |  | 0
Prior | 0 | 3
Revolving Loans Amortized Cost Basis | 0 | 0
Total past due | 23 | 30
Home Equity |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 76,041 |
2020 | 43,170 | 48,145
2019 | 36,037 | 48,804
2018 | 18,926 | 28,147
2017 | 15,265 | 23,628
2016 |  | 18,011
Prior | 36,419 | 36,390
Revolving Loans Amortized Cost Basis | 172,203 | 196,709
Total past due | 398,061 | 399,834
Home Equity | Performing [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 76,041 |
2020 | 43,106 | 48,145
2019 | 35,990 | 48,780
2018 | 18,824 | 28,074
2017 | 15,134 | 23,524
2016 |  | 17,828
Prior | 35,740 | 35,900
Revolving Loans Amortized Cost Basis | 170,422 | 194,773
Total past due | 395,257 | 397,024
Home Equity | Nonperforming Financial Instruments [Member] |  |
Term Loans Amortized Cost Basis by Origination Year |  |
2021 | 0 |
2020 | 64 | 0
2019 | 47 | 24
2018 | 102 | 73
2017 | 131 | 104
2016 |  | 183
Prior | 679 | 490
Revolving Loans Amortized Cost Basis | 1,781 | 1,936
Total past due | $ 2,804 | $ 2,810

X
- Definition Amount of financing receivable originated five years before latest fiscal year + References No definition available. + Details
Name: | cbu_FinancingReceivableOriginatedFiveYearsBeforeLatestFiscalYear
Namespace Prefix: | cbu_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- References No definition available. + Details
Name: | cbu_TermLoansAmortizedCostBasisByOriginationYearAbstract
Namespace Prefix: | cbu_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of financing receivable originated more than five years prior to current fiscal year. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 + Details
Name: | us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable originated four years prior to current fiscal year. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 + Details
Name: | us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable originated in current fiscal year. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 + Details
Name: | us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable originated in fiscal year prior to current fiscal year. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable originated three years prior to current fiscal year. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 + Details
Name: | us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable originated two years prior to current fiscal year. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 + Details
Name: | us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable that can be withdrawn, repaid and redrawn. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableRevolving
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=124259787&loc=d3e4428-111522 + Details
Name: | us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount, before allowance for credit loss, of financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=124255206&loc=SL82895884-210446 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 6: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (1) Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (2) Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 1404 -Paragraph (a) + Details
Name: | us-gaap_NotesReceivableGross
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=cbu_LegacyLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditScoreFicoAxis=cbu_FICOScoreGreaterThanOrEqualTo720Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_PerformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_NonperformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditScoreFicoAxis=cbu_FICOScoreLessThan720Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cbu_ConsumerInstallmentIndirectMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cbu_ConsumerInstallmentDirectMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cbu_HomeEquityReceivablesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |