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Earnings callYahoo Finance· January 27, 2026

Community Bank (CBU) Earnings Call Transcript

View original at finance.yahoo.com
Community Bank (CBU) Earnings Call Transcript Image source: The Motley Fool. Date Tuesday, Jan. 27, 2026 at 11 a.m. ET Call participants President and Chief Executive Officer — Dimitar Karaivanov Chief Financial Officer — Mariah Loss Need a quote from a Motley Fool analyst?…
Opening lines of the source · Yahoo Finance · short snapshot — read the full document at the original

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  • Automation initiatives have saved 200,000+ hours over 3 years while keeping headcount flat as business grew

    80% confidence

  • Provision for credit losses in 2026 is expected to be $20M-$25M

    80% confidence

  • The company plans to continue making 8-12 acquisitions annually, mostly in fee businesses, characterized as small 'singles/doubles'

    80% confidence

  • Insurance Services growth is expected to be mid-single digits in 2026

    80% confidence

  • Wealth Management Services growth is expected to be mid-single digits in 2026

    80% confidence

  • Management wants to own more of the company, not less, indicating confidence in prospects

    80% confidence

  • Employee Benefit Services growth is expected to be mid-to-high single digits in 2026

    80% confidence

  • Community Bank achieved 16% operating earnings growth in 2025 while making the largest organic growth investments that the company has ever made

    80% confidence

  • Noninterest revenue growth for 2026 is expected to be 4%-8%

    80% confidence

  • Net interest income growth for 2026 is expected to be 8%-12%

    80% confidence

  • De novo deposits target for 2026 is approximately $200M, double from $100M in 2025, with path to $1B+ over 7-10 years

    80% confidence

  • Q1 2026 NIM expansion is expected to be 2-4 basis points

    80% confidence

  • Loan growth for 2026 is expected to be 3.5%-6%

    80% confidence

  • Effective tax rate for 2026 is expected to be 23%-24%

    80% confidence

  • Core noninterest expenses for 2026 are expected to be $535M-$550M, representing 4%-7% growth versus 2025

    80% confidence

  • Loan origination yields in Q4 were in the low 6% range and trending lower, potentially reaching below 6% by end of Q1/Q2 2026

    80% confidence

  • Deposit growth for 2026 is expected to be 2%-3%

    80% confidence

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