{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000723188","name":"COMMUNITY FINANCIAL SYSTEM, INC.","summary":"Community Financial System, Inc. is a Delaware-incorporated financial holding company headquartered in Syracuse, New York, operating through Community Bank, N.A. (192 full-service branches across Upstate New York, Northeastern Pennsylvania, Vermont, Western Massachusetts, and Southern New Hampshire) and Benefit Plans Administrative Services, Inc. (BPAS). The company offers commercial and retail banking, employee benefit plan administration, insurance services through OneGroup, and wealth management services through Nottingham Trust, NISI, Nottingham Advisors, and Wealth Partners.","people":[],"products":[{"name":"Commercial and Retail Banking","type":"service","description":"Full-service banking offered through 192 branches and 8 drive-thru locations across five states."},{"name":"Defined Contribution Plan Administration","type":"service","description":"Retirement plan administration services provided by Benefit Plans Administrative Services, LLC (BPA)."},{"name":"Institutional Transfer Agency and Master Recordkeeping","type":"service","description":"Institutional transfer agency, master recordkeeping, fund administration, trust, and retirement plan services via NRS."},{"name":"Actuarial and Benefit Consulting","type":"service","description":"Actuarial and benefit consulting services provided by BPAS Actuarial & Pension Services, LLC."},{"name":"Collective Investment Fund Administration","type":"service","description":"Collective investment fund administration and institutional trust services offered by Hand Benefits & Trust Company."},{"name":"Personal and Commercial Insurance","type":"service","description":"Full-service insurance agency offering personal and commercial lines and risk management products via OneGroup."},{"name":"Wealth Management and Investment Advisory","type":"service","description":"Wealth management, retirement planning, fiduciary, and trust services through Nottingham Trust, NISI, Nottingham Advisors, and Wealth Partners."},{"name":"Cash Management and Treasury Services","type":"service","description":"Cash management, investment, and treasury services to the Bank provided by CBNA Treasury Management Corporation."},{"name":"Broker-Dealer Services","type":"service","description":"Broker-dealer and investment advisory services provided by NISI and Wealth Partners."},{"name":"Community Connect Program","type":"platform","description":"Joint cross-selling initiative connecting four operating business segments to provide interconnected solutions to commercial clients."}],"partnerships":[{"partner_name":"Santander Bank, N.A.","partnership_type":"strategic","description":"Acquired seven branch locations in Allentown, Pennsylvania area including related loans and deposits for $80.9 million.","start_date":null}],"affiliations":[],"origin":{"leaf":"4289c0528c260bb0cbc10e367fa242b359a52bca537502e9191b99ae0f4f35b9","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"e442585a2203731794d5401252b80f9b458d0013d1c27079ccb27f72c553624d","parent":"f8335729639aa56e09a702ffb9d4fb441fcd4ead4c56a2883d3ff2520f656b50","source":"0001104659-26-021651","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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