Item 2. Properties
ITEM 2.
PROPERTIES
The Company owns its headquarters located at 52 South Broad Street, Norwich, New York 13815. In addition, as of December 31, 2022 the Company has 140 branch locations, of which 61 are leased from
third parties. The Company owns all other banking premises.
The Company believes that its offices are sufficient for its present operations and that all properties are adequately covered by insurance.
ITEM 3.
LEGAL PROCEEDINGS
There are no material legal proceedings, other than ordinary litigation incidental to the business, to which the Company or any of its subsidiaries is a party or of which any of their property is
subject.
ITEM 4.
MINE SAFETY DISCLOSURES
None.
PART II
Text extracted from the filing as submitted to EDGAR. Formatting, tables and exhibits are simplified for reading; the original document is authoritative for anything you rely on.