    <SEC-DOCUMENT>0001140361-25-010849-index.html : 20250328
    <SEC-HEADER>0001140361-25-010849.hdr.sgml : 20250328
    <ACCEPTANCE-DATETIME>20250328070613
    ACCESSION NUMBER:		0001140361-25-010849
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		1
    CONFORMED PERIOD OF REPORT:	20241231
    FILED AS OF DATE:		20250328
    DATE AS OF CHANGE:		20250328
    EFFECTIVENESS DATE:		20250328

    FILER:

    	COMPANY DATA:
    		COMPANY CONFORMED NAME:			COMMUNITY FINANCIAL SYSTEM, INC.
    		CENTRAL INDEX KEY:			0000723188
    		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
    		ORGANIZATION NAME:           	02 Finance
    		EIN:				161213679
    		STATE OF INCORPORATION:			DE
    		FISCAL YEAR END:			1231

    	FILING VALUES:
    		FORM TYPE:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	001-13695
    		FILM NUMBER:		25781450

    	BUSINESS ADDRESS:
    		STREET 1:		5790 WIDEWATERS PKWY
    		CITY:			DEWITT
    		STATE:			NY
    		ZIP:			13214
    		BUSINESS PHONE:		8007242262

    	MAIL ADDRESS:
    		STREET 1:		5790 WIDEWATERS PARKWAY
    		CITY:			DEWITT
    		STATE:			NY
    		ZIP:			13214

    	FORMER COMPANY:
    		FORMER CONFORMED NAME:	COMMUNITY BANK SYSTEM, INC.
    		DATE OF NAME CHANGE:	20130806

    	FORMER COMPANY:
    		FORMER CONFORMED NAME:	COMMUNITY BANK NA, a subsidiary of Community Bank System Inc
    		DATE OF NAME CHANGE:	20130729

    	FORMER COMPANY:
    		FORMER CONFORMED NAME:	COMMUNITY BANK NA, a subsidiary of Community Bank System Inc.
    		DATE OF NAME CHANGE:	20130726
    </SEC-HEADER>
    <DOCUMENT>
    <TYPE>ARS
    <SEQUENCE>1
    <FILENAME>ny20037448x3_ars.pdf
    <DESCRIPTION>ARS
    <TEXT>
    Document 1 - file: ny20037448x3_ars.pdf

    </DOCUMENT>
    </SEC-DOCUMENT>