Community Financial System annual return on assets (roa)
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Community Financial System Return on Assets (ROA) Growth & History (CBU)
Community Financial System's return on assets (roa) was 1.25% for fiscal 2025.
View full Community Financial System company overviewCommunity Financial System annual return on assets (roa) history
| Fiscal year | Period ended | Return on assets (ROA) | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 1.25% | +0.11 pp |
| 2024 | 2024-12-31 | 1.14% | +0.30 pp |
| 2023 | 2023-12-31 | 0.84% | −0.36 pp |
| 2022 | 2022-12-31 | 1.20% | −0.09 pp |
| 2021 | 2021-12-31 | 1.29% | −0.01 pp |
| 2020 | 2020-12-31 | 1.30% | −0.24 pp |
| 2019 | 2019-12-31 | 1.54% | −0.04 pp |
| 2018 | 2018-12-31 | 1.58% | +0.03 pp |
| 2017 | 2017-12-31 | 1.55% | +0.35 pp |
| 2016 | 2016-12-31 | 1.21% | +0.07 pp |
| 2015 | 2015-12-31 | 1.14% | −0.12 pp |
| 2014 | 2014-12-31 | 1.25% | +0.17 pp |
| 2013 | 2013-12-31 | 1.08% | −0.02 pp |
| 2012 | 2012-12-31 | 1.10% | −0.12 pp |
| 2011 | 2011-12-31 | 1.23% | +0.06 pp |
| 2010 | 2010-12-31 | 1.17% | — |
Community Financial System quarterly return on assets (roa)
Q1.12
Q2.12
Q3.12
Q4.12
Q1.13
Q2.13
Q3.13
Q4.13
Q1.14
Q2.14
Q3.14
Q4.14
Q1.15
Q2.15
Q3.15
Q4.15
Q1.16
Q2.16
Q3.16
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
Q1.19
Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on assets (ROA) | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 1.32% | +0.13 pp |
| Q1 2026 | 2026-03-31 | 1.26% | +0.09 pp |
| Q4 2025 | 2025-12-31 | 1.25% | +0.11 pp |
| Q3 2025 | 2025-09-30 | 1.23% | +0.19 pp |
| Q2 2025 | 2025-06-30 | 1.20% | +0.12 pp |
| Q1 2025 | 2025-03-31 | 1.17% | +0.10 pp |
| Q4 2024 | 2024-12-31 | 1.14% | +0.30 pp |
| Q3 2024 | 2024-09-30 | 1.05% | +0.07 pp |
| Q2 2024 | 2024-06-30 | 1.07% | +0.06 pp |
| Q1 2024 | 2024-03-31 | 1.07% | +0.12 pp |
| Q4 2023 | 2023-12-31 | 0.84% | −0.36 pp |
| Q3 2023 | 2023-09-30 | 0.97% | −0.19 pp |
| Q2 2023 | 2023-06-30 | 1.02% | −0.15 pp |
| Q1 2023 | 2023-03-31 | 0.95% | −0.27 pp |
| Q4 2022 | 2022-12-31 | 1.20% | −0.09 pp |
| Q3 2022 | 2022-09-30 | 1.16% | −0.16 pp |
| Q2 2022 | 2022-06-30 | 1.16% | −0.19 pp |
| Q1 2022 | 2022-03-31 | 1.22% | −0.13 pp |
| Q4 2021 | 2021-12-31 | 1.29% | −0.01 pp |
| Q3 2021 | 2021-09-30 | 1.32% | +0.05 pp |
| Q2 2021 | 2021-06-30 | 1.35% | +0.04 pp |
| Q1 2021 | 2021-03-31 | 1.34% | −0.13 pp |
| Q4 2020 | 2020-12-31 | 1.30% | −0.24 pp |
| Q3 2020 | 2020-09-30 | 1.27% | −0.23 pp |
| Q2 2020 | 2020-06-30 | 1.30% | −0.30 pp |
| Q1 2020 | 2020-03-31 | 1.47% | −0.09 pp |
| Q4 2019 | 2019-12-31 | 1.54% | −0.04 pp |
| Q3 2019 | 2019-09-30 | 1.50% | −0.36 pp |
| Q2 2019 | 2019-06-30 | 1.60% | −0.19 pp |
| Q1 2019 | 2019-03-31 | 1.56% | −0.10 pp |
| Q4 2018 | 2018-12-31 | 1.58% | +0.03 pp |
| Q3 2018 | 2018-09-30 | 1.86% | +0.78 pp |
| Q2 2018 | 2018-06-30 | 1.78% | +0.80 pp |
| Q1 2018 | 2018-03-31 | 1.66% | +0.45 pp |
| Q4 2017 | 2017-12-31 | 1.55% | +0.35 pp |
| Q3 2017 | 2017-09-30 | 1.07% | −0.09 pp |
| Q2 2017 | 2017-06-30 | 0.99% | −0.16 pp |
| Q1 2017 | 2017-03-31 | 1.21% | +0.05 pp |
| Q4 2016 | 2016-12-31 | 1.21% | +0.07 pp |
| Q3 2016 | 2016-09-30 | 1.17% | −0.05 pp |
| Q2 2016 | 2016-06-30 | 1.15% | −0.05 pp |
| Q1 2016 | 2016-03-31 | 1.15% | −0.07 pp |
| Q4 2015 | 2015-12-31 | 1.14% | −0.12 pp |
| Q3 2015 | 2015-09-30 | 1.22% | +0.09 pp |
| Q2 2015 | 2015-06-30 | 1.19% | +0.04 pp |
| Q1 2015 | 2015-03-31 | 1.22% | +0.12 pp |
| Q4 2014 | 2014-12-31 | 1.25% | +0.17 pp |
| Q3 2014 | 2014-09-30 | 1.13% | +0.03 pp |
| Q2 2014 | 2014-06-30 | 1.15% | +0.04 pp |
| Q1 2014 | 2014-03-31 | 1.10% | −0.01 pp |
| Q4 2013 | 2013-12-31 | 1.08% | −0.02 pp |
| Q3 2013 | 2013-09-30 | 1.10% | +0.01 pp |
| Q2 2013 | 2013-06-30 | 1.11% | −0.06 pp |
| Q1 2013 | 2013-03-31 | 1.11% | −0.12 pp |
| Q4 2012 | 2012-12-31 | 1.10% | — |
| Q3 2012 | 2012-09-30 | 1.10% | — |
| Q2 2012 | 2012-06-30 | 1.16% | — |
| Q1 2012 | 2012-03-31 | 1.23% | — |
Community Financial System return on assets (roa) trends
Over the last five fiscal years, Community Financial System's return on assets (roa) decreased from 1.30% to 1.25%, a change of −0.05 percentage points. The latest reported quarter, Q2 2026, shows 1.32%.
About the metric
What return on assets means
Return on assets measures profit relative to the assets used to generate it. It can help compare operating efficiency over time, although normal ROA differs substantially between asset-light and asset-intensive industries.
Calculation and source
How return on assets is calculated
TickerStat calculates annual ROA as reported net income divided by average total assets. Quarterly observations use trailing-12-month net income and average assets over the corresponding one-year period. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Community Financial System source filings ↗