Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and financial services to retail, commercial, and municipal customers. The company’s deposit products include checking, savings, and money market accounts, as well as time deposits. It also offers consumer loans, including consumer installment loans, line of credit, and residential mortgage loans; and business loans primarily for commercial real estate, healthcare, general services, agriculture, restaurant and lodging, retail trade, manufacturing, construction, motor vehicle and parts dealers, and wholesale trade sectors. In addition, the company, through its other subsidiaries, provides broker-dealer and investment advisory services; offers asset management services to individuals, corporate pension and profit sharing plans, and foundations; and operates as an insurance agency offering property and casualty insurance products. Further, Community Bank System, Inc. offers retirement plan consulting, daily valuation administration, and actuarial and ancillary support services; collective investment fund administration and institutional trust services; actuarial and benefit consulting services; and employee benefit plan administration and trust services. As of June 30, 2012, it operated approximately 180 customer facilities across Upstate New York and northeastern Pennsylvania. The company was founded in 1983 and is headquartered in DeWitt, New York.