Community Bank System, Inc. (CBU)

Bank with counted benefits, insurance and wealth segments. Read November 9, 2026 from the annual report for the period ending December 31, 2025, filed February 27, 2026. Ranked 134 of the 173 Financial Services companies read so far, by the share within reach now.

The filing counts 3,001 employees at December 31, 2025 by segment, so the 2,157 in Banking and Corporate are read at the banking group, the 735 in Employee Benefit Services and Insurance Services at insurance-related services, and the 109 in Wealth Management at the securities group.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 56% now, 65% at the end of 2027, 67% at the end of 2028, 67% at the end of 2030. By the patterns, the work is about 67% desk work, 25% people work and 7% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 33% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

3,001 employees as of December 31, 2025 (stated). The filing places about 2,136 employees in New York, 312 in Pennsylvania and 323 in Vermont, Massachusetts and New Hampshire, with about 230 outside its retail banking footprint and none abroad; recorded as 1, flagged.

The filing: “As of December 31, 2025, the Company had 3,001 total employees, which included 2,853 full-time employees and 148 part-time and temporary employees.”

The workforce as industry patterns

What the filing says about the workforce: 3,001 employees at December 31, 2025: 2,853 full-time and 148 part-time and temporary; 2,157 in Banking and Corporate, 479 in Employee Benefit Services, 256 in Insurance Services and 109 in Wealth Management; about 2,136 in New York, 312 in Pennsylvania and 323 in New England; none in a union; full-time equivalents 2,805.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• JPMorgan Chase (JPM, 318,512 employees)56% now, 70% by 2028
• Citigroup (C, 226,000 employees)57% now, 70% by 2028
• Bank of America (BAC, 213,000 employees)57% now, 69% by 2028
• Wells Fargo (WFC, 205,000 employees)57% now, 69% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)56% now, 68% by 2028
• U.S. Bancorp (USB, 68,520 employees)56% now, 68% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)56% now, 68% by 2028
• Mastercard Incorporated (MA, 39,800 employees)56% now, 68% by 2028

What the filing says about AI

15 sentences in the filing name AI. The filing names AI in its regulatory risk factors: new laws and regulations on automated decision making, artificial intelligence and machine learning, and the application of existing laws to them, may restrict or impose costly requirements on its use of these technologies.

• “In addition, these limitations establish a maximum percentage of eligible retained income that could be utilized for such actions and potentially limit the Company's ability to pay dividends, engage in share repurchases, and pay discretionary bonuses. ​ Regulation in the areas of privacy, data protection, data management, resiliency, data transfer, third-party oversight, account access, artific...”
• “As such laws are interpreted and applied (in some cases, with significant differences or conflicting requirements across jurisdictions), compliance and technology costs will continue to increase, particularly in the context of ensuring that adequate privacy, data protection, data management, incident management, resiliency, third-party management, data transfer, security controls, account acces...”
• “Additionally, new laws and regulations related to automated decision making, artificial intelligence and machine learning as well as the application of existing laws and regulations to these technologies may restrict or impose burdensome and costly requirements on the Company's ability to use them or impact other aspects of the Company's business. ​ ​ 22 Table of Contents Compliance with curren...”
• “The Company or its third-party vendors may incorporate artificial intelligence technology into certain business processes, services, or products.”
• “The use of artificial intelligence presents several risks, including an uncertain and evolving legal and regulatory environment in the U.S. and internationally and the complexity and rapid pace of change in these artificial intelligence models presents additional risks in understanding the accuracy and relevance of their outputs.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20231median 1
• Fiscal 20247median 4
• Fiscal 202515median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The Index row and the data service's history carry the 2,853 full-time count; the filing states 3,001 total employees (rule 2).
• The 148 part-time and temporary employees are counted together by the filing and stay in the total (rule 8).
• The corporate staff are counted with the bank in one segment and stay inside the banking pattern (rule 6).

Source: the company's annual report on EDGAR, accession 0001104659-26-021651, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.