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Community Bank of Sullivan County

Monticello, NY · Cert 33859

FDIC · 11 branches

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=553 to 605). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q4 2024peer median (50)

Asset Quality

69

Q2 2024Q4 2024peer median (50)

Profitability

6

Q2 2024Q4 2024peer median (50)

Liquidity

27

Q2 2024Q4 2024peer median

Efficiency

4

Q2 2024Q4 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank of Sullivan County

Monticello, NY · Cert 33859

FDIC · 11 branches

Q4 2024

$525.7MAssets
$424.6MLoans
$448.6MDeposits
$38.4MEquity
Loan mix
96%RE $262.1M4%C&I $10.6M0%Consumer $0.2MQ1 2023Q4 2024
Deposit mix
81%Interest-bearing $362.6M19%Noninterest $86.0MQ1 2023Q4 2024

Market Position · Kingston, NY · 2024 SOD (annual) · 1.4% share · #13 of 19 inst. · $0.1B of $4.6B

19.8% Sullivan
1.4% Ulster
0.3% Orange
0.4% Saratoga

Executive Summary

  • Earnings: ROA of -0.41%, down 51 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 0.16% of loans (+1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 7.50%, up 11 bps from a year ago.
  • Funding: loans stand at 94.65% of deposits as of Q4 2024.

Return on Assets (YTD, annualized)

-0.41%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.11%-41 bps YoY

Efficiency Ratio (YTD, annualized)

126.28%+3,005 bps YoY

Tier 1 Leverage Ratio

7.50%+11 bps YoY

NIM

3.08%Q4 ’224.02%Q4 ’234.43%Q4 ’24-10%-16%

Non-interest income vs. expense

2.43%Q4 ’222.55%Q4 ’232.85%Q4 ’24+6%+12%

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.34%0.28%0.13%0.09%-0.38%-0.36%-0.39%-0.41%-51 bps
Return on Equity4.92%4.02%1.81%1.34%-5.38%-5.12%-5.55%-5.80%-714 bps
Net Interest Margin2.94%2.86%2.76%2.53%2.08%2.10%2.13%2.11%-41 bps
Efficiency Ratio86.60%88.67%95.06%96.23%120.98%122.94%125.64%126.28%+3,005 bps
Non-Interest Burden2.53%2.51%2.60%2.42%2.54%2.60%2.71%2.70%+28 bps
Growth
Asset Growth (YoY)0.10%-2.08%-0.53%-0.74%-1.42%-0.89%-7.86%-8.14%-740 bps
Loan Growth (YoY)7.87%9.40%10.21%6.68%2.35%-0.71%-2.44%-3.99%-1,067 bps
Deposit Growth (YoY)-0.48%-2.89%-1.16%-0.33%-1.25%-0.72%-8.51%-15.06%-1,473 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.22%0.22%0.16%0.16%0.16%0.16%0.16%+1 bps
Net Charge-Offs / Loans-0.04%-0.08%-0.05%0.01%0.00%-0.02%-0.02%-0.02%-3 bps
Allowance / Loans0.55%0.56%0.54%0.50%0.50%0.50%0.49%0.49%-1 bps
Allowance Coverage of NPLs2.4x2.5x2.5x3.1x3.1x3.1x3.0x3.0x-0.2x
Capital
Tier 1 Leverage Ratio7.54%7.77%7.92%7.39%7.32%7.42%7.63%7.50%+11 bps
Total Risk-Based Capital12.39%12.18%12.15%11.66%11.97%11.89%11.92%11.97%+31 bps
Equity / Assets6.96%7.35%6.67%7.12%6.88%7.14%7.22%7.31%+19 bps
Liquidity & Funding
Loans / Deposits78.46%85.75%79.81%83.74%81.32%85.76%85.11%94.65%+1,091 bps
Liquid Assets / Assets1.01%2.45%4.82%2.28%3.41%2.86%5.19%2.43%+15 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank of Sullivan County

Monticello, NY · Cert 33859 · Peer group: banks under $1B in assets (n=553-605)

FDIC · 11 branches

Q4 2024

$525.7MAssets
$424.6MLoans
$448.6MDeposits
$38.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 73% of banks under $1B in assets (rank 151 of 553).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets (rank 579 of 603).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.44%

Rank 568 of 605

Net Interest Margin

2.11%

Rank 559 of 604

Efficiency Ratio

126.28%

Rank 579 of 603

Equity / Assets

7.31%

Rank 510 of 604

Non-interest income vs. expense

$0.8M$15.4MINCOMEEXPENSE
Unfavorable gap of $14.6M · efficiency ratio beats 4% of banks under $1B in assets
Bank 126.28%Peer median 71.7%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.44%0.44%0.82%1.25%Beats 6%568 / 605
Return on Equity-5.96%4.73%8.49%12.27%Beats 5%574 / 604
Net Interest Margin2.11%2.67%3.19%3.72%Beats 7%559 / 604
Efficiency Ratio126.28%60.42%71.67%83.77%Beats 4%579 / 603
Asset Quality
Nonperforming Loans / Loans0.16%0.07%0.31%0.86%Beats 64%202 / 553
Net Charge-Offs / Loans0.00%0.00%0.03%0.13%Beats 73%151 / 553
Capital
Tier 1 Capital Ratio11.37%11.06%13.82%18.29%Beats 27%438 / 604
Total Risk-Based Capital Ratio11.97%11.68%14.50%19.03%Beats 28%434 / 604
Equity / Assets7.31%8.17%9.66%12.64%Beats 16%510 / 604
Liquidity & Funding
Loans / Deposits94.65%63.55%78.98%91.89%80th pctl114 / 566
Loans / Assets80.77%56.22%68.51%77.12%85th pctl84 / 553
Brokered Deposits / Depositsn/aNot reported for this institution