{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-082270","form_type":"8-K","ticker":"CBU","cik":"0000723188","company_name":"COMMUNITY FINANCIAL SYSTEM, INC.","filed_at":"2022-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.012398+00:00","generated_at":"2026-06-24T09:21:16.920388+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Community Bank System Q2 net income $39.8M, EPS $0.73, down 17% YoY","bullets":["GAAP EPS $0.73 vs $0.88 a year ago; operating EPS (non-GAAP) $0.85 vs $0.88.","Net interest income rose 12% to $103.1M; net interest margin increased to 2.89% from 2.79%.","Completed Elmira Savings Bank acquisition; total loans up $722.4M (9.7%) vs Q1 2022.","Provision for credit losses of $6.0M (incl. $3.9M acquisition-related) vs a $4.3M benefit in Q2 2021.","Adjusted pre-tax pre-provision net revenue per share $1.13, up $0.07 from prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-082270","json":"https://secwatch.observer/filing/0001104659-22-082270.json","markdown":"https://secwatch.observer/filing/0001104659-22-082270.md","text":"https://secwatch.observer/filing/0001104659-22-082270.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723188/000110465922082270/0001104659-22-082270-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723188/000110465922082270/tm2221692d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T09:21:16.920388+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}