UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-13695 (Exact name of registrant as specified in its charter) Delaware 16‑1213679 | --- | --- | |------------------------------------------------- ...

Community Bank System, Inc. (NYSE:CBU) Q4 2018 Earnings Conference Call January 23, 2019 11:00 AM ET Company Participants Mark Tryniski - CEO, President & Director Joseph Sutaris - EVP & CFO Conference Call Participants Alexander Twerdahl - Sandler O'Neill + Partners Russell Gunther - D.A. Davidson & Co. Collyn Gilbert - KBW Matthew Breese - Piper Jaffray Companies Erik Zwick - Boenning and Scattergood Operator Welcome to the Community Bank System Fourth Quarter 2018 Earnings Conference Call. Please note t ...