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REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2024

REGULATORY MATTERS

Schedule of capital ratios and amounts

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​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	For capital adequacy				​	To be well-capitalized
​	​	​	​	​	​	​	For capital adequacy				​	purposes plus Capital				​	under prompt
​	​	Actual				​	purposes				​	Conservation Buffer				​	corrective action
(000’s omitted)		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
Community Financial System, Inc.:		​					​					​					​				​
2024		​					​					​					​				​
Tier 1 Leverage ratio	​	$	1,454,209		9.19	%	$	633,020		4.00	%	​	​	​	​	​	$	791,275		5.00	%
Common equity tier 1 capital	​		1,454,067		14.23	%		459,829		4.50	%	$	715,290	​	7.00	%	​	664,198		6.50	%
Tier 1 risk-based capital	​		1,454,209		14.23	%		613,106		6.00	%	​	868,566	​	8.50	%	​	817,474		8.00	%
Total risk-based capital	​		1,533,798		15.01	%		817,474		8.00	%		1,072,935	​	10.50	%	​	1,021,843		10.00	%
2023	​		​		​	​		​			​		​	​			​	​			​
Tier 1 Leverage ratio	​	$	1,402,188		9.34	%	$	600,442		4.00	%	​	​	​	​	​	$	750,553		5.00	%
Common equity tier 1 capital	​		1,402,042		14.75	%		427,618		4.50	%	$	665,184	​	7.00	%	​	617,671		6.50	%
Tier 1 risk-based capital	​		1,402,188		14.76	%		570,158		6.00	%	​	807,723	​	8.50	%	​	760,210		8.00	%
Total risk-based capital	​		1,468,920		15.46	%		760,210		8.00	%		997,776	​	10.50	%	​	950,263		10.00	%
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Community Bank, N.A.:	​		​		​	​		​			​		​	​			​	​			​
2024	​		​		​	​		​			​		​	​			​	​			​
Tier 1 Leverage ratio	​	$	1,210,171		7.69	%	$	629,589		4.00	%	​	​	​	​	​	$	786,986		5.00	%
Common equity tier 1 capital	​		1,210,029		11.96	%		455,433		4.50	%	$	708,451	​	7.00	%	​	657,847		6.50	%
Tier 1 risk-based capital	​		1,210,171		11.96	%		607,244		6.00	%	​	860,262	​	8.50	%	​	809,658		8.00	%
Total risk-based capital	​		1,289,760		12.74	%		809,658		8.00	%		1,062,677	​	10.50	%	​	1,012,073		10.00	%
2023	​		​		​	​		​			​		​	​			​	​			​
Tier 1 Leverage ratio	​	$	1,139,569		7.70	%	$	591,877		4.00	%	​	​	​	​	​	$	739,846		5.00	%
Common equity tier 1 capital	​		1,139,423		12.11	%		423,442		4.50	%	$	658,688	​	7.00	%	​	611,639		6.50	%
Tier 1 risk-based capital	​		1,139,569		12.11	%		564,590		6.00	%	​	799,835	​	8.50	%	​	752,786		8.00	%
Total risk-based capital	​		1,206,301		12.82	%		752,786		8.00	%		988,032	​	10.50	%	​	940,983		10.00	%

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- References

No definition available.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B

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