XML 79 R64.htm IDEA: XBRL DOCUMENT
v3.22.4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amount of Business Lending Loans by Credit Quality Categories (Details) - USD ($) $ in Thousands | Dec. 31, 2022 | Dec. 31, 2021
--- | --- | ---
Term loans amortized cost basis by origination year |  |
Total Loans | $ 8,809,394 | $ 7,373,639
Legacy Loan |  |
Term loans amortized cost basis by origination year |  |
Total Loans | 8,809,394 | 7,373,639
Business Lending |  |
Term loans amortized cost basis by origination year |  |
2022 | 752,157 |
2021 | 379,525 | 525,141
2020 | 237,510 | 298,438
2019 | 253,689 | 278,860
2018 | 195,251 | 239,869
2017 |  | 179,394
Prior | 688,511 | 655,482
Revolving Loans Amortized Cost Basis | 751,619 | 514,353
Revolving Loans Converted to Term | 387,403 | 384,367
Total Loans | 3,645,665 | 3,075,904
Business Lending | Pass |  |
Term loans amortized cost basis by origination year |  |
2022 | 747,570 |
2021 | 373,914 | 517,302
2020 | 232,591 | 286,386
2019 | 246,817 | 265,551
2018 | 168,423 | 204,376
2017 |  | 152,440
Prior | 604,746 | 544,577
Revolving Loans Amortized Cost Basis | 711,629 | 460,461
Revolving Loans Converted to Term | 336,722 | 286,446
Total Loans | 3,422,412 | 2,717,539
Business Lending | Special Mention |  |
Term loans amortized cost basis by origination year |  |
2022 | 2,787 |
2021 | 4,836 | 5,969
2020 | 3,781 | 10,638
2019 | 3,676 | 9,738
2018 | 14,593 | 18,702
2017 |  | 7,972
Prior | 45,627 | 54,367
Revolving Loans Amortized Cost Basis | 29,403 | 26,609
Revolving Loans Converted to Term | 29,975 | 46,518
Total Loans | 134,678 | 180,513
Business Lending | Classified |  |
Term loans amortized cost basis by origination year |  |
2022 | 1,800 |
2021 | 775 | 1,870
2020 | 1,138 | 1,414
2019 | 3,196 | 3,571
2018 | 12,235 | 16,729
2017 |  | 18,982
Prior | 38,138 | 56,538
Revolving Loans Amortized Cost Basis | 10,587 | 26,780
Revolving Loans Converted to Term | 20,706 | 51,403
Total Loans | 88,575 | 177,287
Business Lending | Doubtful |  |
Term loans amortized cost basis by origination year |  |
2022 | 0 |
2021 | 0 | 0
2020 | 0 | 0
2019 | 0 | 0
2018 | 0 | 62
2017 |  | 0
Prior | 0 | 0
Revolving Loans Amortized Cost Basis | 0 | 503
Revolving Loans Converted to Term | 0 | 0
Total Loans | 0 | 565
Consumer Mortgage |  |
Term loans amortized cost basis by origination year |  |
2022 | 539,679 |
2021 | 672,042 | 659,367
2020 | 332,352 | 338,525
2019 | 255,089 | 260,938
2018 | 157,548 | 173,074
2017 |  | 172,187
Prior | 944,971 | 880,098
Revolving Loans Amortized Cost Basis | 28,989 | 25,028
Revolving Loans Converted to Term | 81,805 | 46,897
Total Loans | 3,012,475 | 2,556,114
Consumer Mortgage | FICO AB |  |
Term loans amortized cost basis by origination year |  |
2022 | 379,171 |
2021 | 492,806 | 496,372
2020 | 218,462 | 220,437
2019 | 174,126 | 178,589
2018 | 100,560 | 113,636
2017 |  | 116,852
Prior | 608,605 | 569,359
Revolving Loans Amortized Cost Basis | 954 | 0
Revolving Loans Converted to Term | 59,088 | 32,175
Total Loans | 2,033,772 | 1,727,420
Consumer Mortgage | FICO AB | Performing |  |
Term loans amortized cost basis by origination year |  |
2022 | 379,171 |
2021 | 492,731 | 496,372
2020 | 217,889 | 220,171
2019 | 173,942 | 178,589
2018 | 100,161 | 113,505
2017 |  | 116,417
Prior | 604,258 | 566,123
Revolving Loans Amortized Cost Basis | 954 | 0
Revolving Loans Converted to Term | 58,639 | 32,175
Total Loans | 2,027,745 | 1,723,352
Consumer Mortgage | FICO AB | Nonperforming |  |
Term loans amortized cost basis by origination year |  |
2022 | 0 |
2021 | 75 | 0
2020 | 573 | 266
2019 | 184 | 0
2018 | 399 | 131
2017 |  | 435
Prior | 4,347 | 3,236
Revolving Loans Amortized Cost Basis | 0 | 0
Revolving Loans Converted to Term | 449 | 0
Total Loans | 6,027 | 4,068
Consumer Mortgage | FICO CDE |  |
Term loans amortized cost basis by origination year |  |
2022 | 160,508 |
2021 | 179,236 | 162,995
2020 | 113,890 | 118,088
2019 | 80,963 | 82,349
2018 | 56,988 | 59,438
2017 |  | 55,335
Prior | 336,366 | 310,739
Revolving Loans Amortized Cost Basis | 28,035 | 25,028
Revolving Loans Converted to Term | 22,717 | 14,722
Total Loans | 978,703 | 828,694
Consumer Mortgage | FICO CDE | Performing |  |
Term loans amortized cost basis by origination year |  |
2022 | 160,388 |
2021 | 178,262 | 162,995
2020 | 112,640 | 117,566
2019 | 79,357 | 81,377
2018 | 54,861 | 57,973
2017 |  | 54,396
Prior | 323,189 | 300,350
Revolving Loans Amortized Cost Basis | 27,884 | 25,028
Revolving Loans Converted to Term | 22,056 | 14,722
Total Loans | 958,637 | 814,407
Consumer Mortgage | FICO CDE | Nonperforming |  |
Term loans amortized cost basis by origination year |  |
2022 | 120 |
2021 | 974 | 0
2020 | 1,250 | 522
2019 | 1,606 | 972
2018 | 2,127 | 1,465
2017 |  | 939
Prior | 13,177 | 10,389
Revolving Loans Amortized Cost Basis | 151 | 0
Revolving Loans Converted to Term | 661 | 0
Total Loans | 20,066 | 14,287
Consumer Indirect |  |
Term loans amortized cost basis by origination year |  |
2022 | 777,531 |
2021 | 422,595 | 590,857
2020 | 129,502 | 204,563
2019 | 99,660 | 182,458
2018 | 52,313 | 107,707
2017 |  | 39,402
Prior | 58,052 | 64,762
Revolving Loans Amortized Cost Basis | 0 | 0
Revolving Loans Converted to Term | 0 | 0
Total Loans | 1,539,653 | 1,189,749
Consumer Indirect | Performing |  |
Term loans amortized cost basis by origination year |  |
2022 | 777,513 |
2021 | 422,594 | 590,857
2020 | 129,449 | 204,529
2019 | 99,593 | 182,458
2018 | 52,298 | 107,683
2017 |  | 39,385
Prior | 58,028 | 64,750
Revolving Loans Amortized Cost Basis | 0 | 0
Revolving Loans Converted to Term | 0 | 0
Total Loans | 1,539,475 | 1,189,662
Consumer Indirect | Nonperforming |  |
Term loans amortized cost basis by origination year |  |
2022 | 18 |
2021 | 1 | 0
2020 | 53 | 34
2019 | 67 | 0
2018 | 15 | 24
2017 |  | 17
Prior | 24 | 12
Revolving Loans Amortized Cost Basis | 0 | 0
Revolving Loans Converted to Term | 0 | 0
Total Loans | 178 | 87
Consumer Direct |  |
Term loans amortized cost basis by origination year |  |
2022 | 84,117 |
2021 | 46,432 | 72,584
2020 | 17,067 | 28,909
2019 | 12,730 | 24,786
2018 | 5,602 | 12,341
2017 |  | 4,396
Prior | 5,070 | 4,577
Revolving Loans Amortized Cost Basis | 6,585 | 6,214
Revolving Loans Converted to Term | 2 | 4
Total Loans | 177,605 | 153,811
Consumer Direct | Performing |  |
Term loans amortized cost basis by origination year |  |
2022 | 84,111 |
2021 | 46,381 | 72,584
2020 | 17,066 | 28,905
2019 | 12,729 | 24,768
2018 | 5,573 | 12,340
2017 |  | 4,396
Prior | 5,020 | 4,577
Revolving Loans Amortized Cost Basis | 6,563 | 6,214
Revolving Loans Converted to Term | 2 | 4
Total Loans | 177,445 | 153,788
Consumer Direct | Nonperforming |  |
Term loans amortized cost basis by origination year |  |
2022 | 6 |
2021 | 51 | 0
2020 | 1 | 4
2019 | 1 | 18
2018 | 29 | 1
2017 |  | 0
Prior | 50 | 0
Revolving Loans Amortized Cost Basis | 22 | 0
Revolving Loans Converted to Term | 0 | 0
Total Loans | 160 | 23
Home Equity |  |
Term loans amortized cost basis by origination year |  |
2022 | 69,575 |
2021 | 72,280 | 76,041
2020 | 38,078 | 43,170
2019 | 31,675 | 36,037
2018 | 16,173 | 18,926
2017 |  | 15,265
Prior | 41,703 | 36,419
Revolving Loans Amortized Cost Basis | 133,266 | 132,770
Revolving Loans Converted to Term | 31,246 | 39,433
Total Loans | 433,996 | 398,061
Home Equity | Performing |  |
Term loans amortized cost basis by origination year |  |
2022 | 69,575 |
2021 | 72,270 | 76,041
2020 | 37,964 | 43,106
2019 | 31,506 | 35,990
2018 | 16,068 | 18,824
2017 |  | 15,134
Prior | 41,097 | 35,740
Revolving Loans Amortized Cost Basis | 132,703 | 131,817
Revolving Loans Converted to Term | 30,569 | 38,605
Total Loans | 431,752 | 395,257
Home Equity | Nonperforming |  |
Term loans amortized cost basis by origination year |  |
2022 | 0 |
2021 | 10 | 0
2020 | 114 | 64
2019 | 169 | 47
2018 | 105 | 102
2017 |  | 131
Prior | 606 | 679
Revolving Loans Amortized Cost Basis | 563 | 953
Revolving Loans Converted to Term | 677 | 828
Total Loans | $ 2,244 | $ 2,804

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 Amortized cost of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease. + 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 https://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 https://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 Amortized cost of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease. + 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 https://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 https://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 Amortized cost of financing receivable originated in current fiscal year. Excludes net investment in lease. + 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 https://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 https://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 Amortized cost of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease. + 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 https://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 https://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 Amortized cost of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease. + 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 https://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 https://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 Amortized cost of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease. + 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 https://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 https://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 Amortized cost 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 https://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 https://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 Amortized cost of revolving financing receivable converted to term loan. + 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 https://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 6A -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120270059-210447 + Details
Name: | us-gaap_FinancingReceivableRevolvingConvertedToTermLoan
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease. + 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 https://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 https://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 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)(b)) -URI https://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI https://asc.fasb.org/extlink&oid=124255206&loc=SL82895884-210446 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 7: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (1) Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (2) Reference 10: 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: |