--- title: "Community Financial | 8-K: FY2026 Q2 Revenue: USD 223.16 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/294073921.md" datetime: "2026-07-28T13:22:48.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/294073921.md) - [en](https://longbridge.com/en/news/294073921.md) - [zh-HK](https://longbridge.com/zh-HK/news/294073921.md) --- # Community Financial | 8-K: FY2026 Q2 Revenue: USD 223.16 M Revenue: As of FY2026 Q2, the actual value is USD 223.16 M. EPS: As of FY2026 Q2, the actual value is USD 1.16, missing the estimate of USD 1.1783. EBIT: As of FY2026 Q2, the actual value is USD 80.82 M. ### Overview of Second Quarter 2026 Financial and Operational Performance Community Financial System, Inc. reported net income of $61.3 million and operating net income of $61.5 million for the second quarter of 2026. The company achieved an operating diluted earnings per share of $1.16, marking an 11.5% year-over-year increase and its fifth consecutive quarter of record results. #### Company-Wide Financial Metrics - **Net Income:** $61.3 million for Q2 2026, an increase of $10.0 million from $51.3 million for Q2 2025. - **Operating Net Income (non-GAAP):** $61.5 million for Q2 2026, compared to $55.4 million for Q2 2025. - **Total Revenues:** $223,155 thousand for Q2 2026, an increase of $23,899 thousand (12.0%) from $199,256 thousand in Q2 2025. - **Noninterest Revenues:** $84,011 thousand for Q2 2026, up $9,503 thousand (12.8%) from $74,508 thousand in Q2 2025. - **Net Interest Income:** $139,144 thousand for Q2 2026, an increase of $14,396 thousand (11.5%) from $124,748 thousand in Q2 2025. - **Net Interest Margin:** 3.46% for Q2 2026, up 0.19% from 3.27% in Q2 2025. - **Total Noninterest Expenses:** $137,733 thousand for Q2 2026, up $8,631 thousand (6.7%) from $129,102 thousand in Q2 2025. - **Provision for Credit Losses:** $4,607 thousand for Q2 2026, up from $4,117 thousand in Q2 2025. - **Total Assets:** $17.76 billion at June 30, 2026, an increase of $1.10 billion (6.6%) from one year prior. - **Total Ending Loans:** $11,282,824 thousand at June 30, 2026, an increase of $763,707 thousand (7.3%) from one year prior. - **Total Ending Deposits:** $14,710,409 thousand at June 30, 2026, an increase of $1,008,641 thousand (7.4%) from one year prior. - **Cost of Total Deposits:** 1.07% for Q2 2026, a decrease of 0.12% from 1.19% in Q2 2025. - **Cost of Funds:** 1.18% for Q2 2026, a decrease of 0.14% from 1.32% in Q2 2025. - **Annualized Loan Net Charge-Offs:** 0.12% for Q2 2026, down 0.08% from 0.20% in Q2 2025. - **Tier 1 Leverage Ratio:** 9.26% at June 30, 2026, compared to 9.42% one year prior. - **Loan-to-deposit ratio:** 76.7% at June 30, 2026, compared to 76.8% one year prior. - **Shareholders’ Equity:** $2.07 billion at June 30, 2026, an increase of $189.7 million (10.1%) from one year prior. - **Shareholders’ equity to assets ratio:** 11.67% at June 30, 2026, up from 11.30% at June 30, 2025. - **Tangible equity to tangible assets ratio (non-GAAP):** 6.86% at June 30, 2026, up from 6.51% a year earlier. - **Quarterly Cash Dividend:** $0.47 per share declared in Q2 2026, up 2.2% from $0.46 in Q2 2025. - **Gain on Equity Securities:** $4.7 million recognized in Q2 2026, including a $3.3 million gain from a limited partnership investment sale and a $0.9 million gain from Visa Class B to Class C shares conversion. #### Segment-Specific Performance (Second Quarter 2026) - **Banking and Corporate:** - Net interest income: $137,899 thousand, up 11.2% year-over-year. - Provision for credit losses: $4,607 thousand, up 11.9% year-over-year. - Segment noninterest revenues: $21,529 thousand, up 7.9% year-over-year. - Other segment expenses: $93,133 thousand, up 9.2% year-over-year. - Adjusted income before income taxes: $61,688 thousand, up 13.2% year-over-year. - **Employee Benefit Services:** - Segment revenues: $36,361 thousand, up 7.3% year-over-year. - Segment expenses: $22,520 thousand, up 2.5% year-over-year. - Adjusted income before income taxes: $13,841 thousand, up 16.2% year-over-year. - **Insurance Services:** - Segment revenues: $12,811 thousand, down -4.8% year-over-year. - Segment expenses: $10,806 thousand, down -3.7% year-over-year. - Adjusted income before income taxes: $2,005 thousand, down -10.8% year-over-year. - **Wealth Management Services:** - Segment revenues: $11,217 thousand, up 21.7% year-over-year. - Segment expenses: $7,775 thousand, up 13.2% year-over-year. - Adjusted income before income taxes: $3,442 thousand, up 46.5% year-over-year. #### Outlook Community Financial System, Inc. expects acceleration across all of its businesses into the second half of the year. The company plans to manage expenses consistent with organic growth strategies and scale objectives while enhancing operating leverage. Proactive asset and liability management and prudent financial planning have resulted in a strong financial position and liquidity profile. ### Related Stocks - [CBU.US](https://longbridge.com/en/quote/CBU.US.md) ## Related News & Research - [Bank of America Corp DE Purchases 19,433 Shares of Community Financial System, Inc. $CBU](https://longbridge.com/en/news/295994473.md) - [Orizon approves 2Q 2026 interim financial statements in board meeting](https://longbridge.com/en/news/295875106.md) - [Jacktel to webcast Q2, H1 2026 results](https://longbridge.com/en/news/296198778.md) - [Tobii schedules Q2 2026 interim report webcast presentation](https://longbridge.com/en/news/296061914.md) - [Plascar board clears release of Q2 2026 financial statements](https://longbridge.com/en/news/295925172.md)