Community Bank System, Inc. is a financial holding company. The Company owns two subsidiaries: Community Bank, N.A. (the Bank or CBNA), and Benefit Plans Administrative Services, Inc. (BPAS). It operates in three segments: Banking, Employee Benefit Services and All Other. The Banking segment offers lending and depository-related products and services to individuals, businesses, and municipal enterprises. In addition, it provides treasury management solutions and payment processing services. The Employee Benefit Services, consisting of BPAS and its subsidiaries, provides retirement plans, health and fiduciary services, actuarial and pension services, and healthcare consulting services, welfare plans, fund administration, institutional trust services, collective investment funds. The All Other segment is comprised of wealth management, which includes trust services and insurance services, such as personal and commercial lines of insurance and other risk management products and services.