Community Bank System, Inc. is the bank holding company behind the esteemed Community Bank, N.A. that provides a diverse range of financial services to retail, commercial, and municipal customers. The company operates through three distinct segments, namely: Banking, Employee Benefit Services, and All Other. Its extensive product offerings include an array of deposit products, loans, investment advisory services, cash management, asset management services, treasury services, full-service insurance agency, wealth management services, and much more. Community Bank System also offers exceptional contribution plan administration, employee benefit trust, collective investment fund, and retirement plan administration and benefit consulting services. With a rich history that dates back to its founding in 1866, Community Bank System is headquartered in DeWitt, New York, and operates as an investor in both commercial and residential real estate activities. Its investment alternatives include stocks, bonds, mutual funds, and insurance and advisory products, while its master recordkeeping services are top-notch.