Community Bank System is right up front about what it is. The holding company owns Community Bank, which operates about 195 branches across upstate New York and northeastern Pennsylvania, where it operates as First Liberty Bank and Trust. Focusing on small, underserved towns and non-urban markets, the bank offers standard products and services such as checking and savings accounts, certificates of deposit, and loans and mortgages to consumer, business, and government clients. Boasting over $8.5 billion in assets, the bank's loan portfolio consists of mostly business loans, residential mortgages, and consumer loans. Community Bank System's subsidiaries offer employee benefit services, wealth management, and insurance products and services.