Community Financial System Q3 net income rises 11.3% to $61.3M on higher net interest income

Filed November 6, 2026 · Period ending September 30, 2026 · Compared to 10-Q Nov 6, 2025 · ~1 min read

Key Changes

• high

  Net income rose 11.3% to $61.3 million in Q3 2026, with diluted EPS up 11.5% to $1.16.

  MD&A: Net income and EPS verify on EDGAR →
• high

  Net interest income grew 12.0% to $143.5 million, driven by higher yields, loan growth, and lower funding costs.

  MD&A: Net interest income and margin verify on EDGAR →
• high

  Net charge-off ratio doubled to 18 basis points from 9 basis points, driven by $2.7 million of charge-offs on two business lending relationships.

  MD&A: Asset quality verify on EDGAR →