Community Bank System Inc operates as the bank holding company for Community Bank NA that provides various banking and other financial services to retail commercial and municipal customers It operates through three segments Banking Employee Benefit Services and All Other The company offers various deposits products such as checking savings and money market deposit accounts as well as time deposits It also provides loans including consumer mortgages general purpose commercial and industrial loans and mortgages on commercial properties paycheck protection program loans installment loans that are originated through selected dealerships and are secured by automobiles marine and other recreational vehicles personal installment loans and lines of credit for consumers and home equity products In addition the company offers brokerdealer and investment advisory cash management investment and treasury services asset management and employee benefit services as well as operates as a fullservice insurance agency that offers personal and commercial lines of insurance and other risk management products and services Further it provides contribution plan administration employee benefit trust collective investment fund retirement plan administration fund administration transfer agency actuarial and benefit consulting VEBAHRA and health and welfare consulting services Additionally the company offers wealth management retirement planning higher educational planning fiduciary risk management trust and personal financial planning services and investment alternatives including stocks bonds mutual funds and advisory products as well as master recordkeeping services As of January 24 2022 it operated approximately 215 customer facilities across Upstate New York Northeastern Pennsylvania Vermont and Western Massachusetts Community Bank System Inc was founded in 1866 and is headquartered in DeWitt New York