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NBT Bank sits at 0.95 — the strongest pull in Community Bank's top 10 — but the second-ranked neighbor is Label Shopper at 0.93, a general apparel retailer, signaling that this audience bridges two distinct neighborhoods: a fellow regional bank and a cluster of everyday, place-based retail.
The shape is two-peak, and the gap between those peaks is narrow but structurally real. After NBT Bank and Label Shopper, the next tier — Aubuchon Hardware (0.93), Irving Oil (0.90), and RP Lumber (0.89) — fills in a picture of home improvement, hardware, and fuel retail. Automotive follows closely: Federated Car Care Center (0.88) and Federated Auto Parts (0.88) both appear, alongside Kwik Fill (0.87) and Polaris (0.87). Rounding out the top 10 is The Medicine Shoppe at 0.87, a pharmacy. Across the full set, only NBT Bank shares Community Bank's subcategory — the other nine neighbors span gas stations, hardware, automotive parts and repair, and pharmacy retail. The dominant subcategory pattern is hands-on, goods-and-services retail oriented toward home, vehicle, and health maintenance.
The two-peak structure — one bank neighbor at the top, then an immediate drop into place-based retail — suggests an audience whose shape is defined less by financial category affinity than by a broader regional, practical-consumer profile.
