Community Bank of Sullivan County
Monticello, NY · Cert 33859 · Peer group: banks under $1B in assets (n=618-668)
FDIC · 11 branches
Q4 2024
$525.7MAssets
$424.6MLoans
$448.6MDeposits
$38.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 72% of banks under $1B in assets (rank 175 of 618).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets (rank 637 of 666).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.44%
Rank 627 of 668
Net Interest Margin
2.11%
Rank 615 of 667
Efficiency Ratio
126.28%
Rank 637 of 666
Equity / Assets
7.31%
Rank 564 of 667
Non-interest income vs. expense
Unfavorable gap of $14.6M · efficiency ratio beats 5% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.44% | 0.43% | 0.79% | 1.24% | Beats 6% | 627 / 668 | |
| Return on Equity | -5.96% | 4.70% | 8.22% | 11.92% | Beats 5% | 634 / 667 | |
| Net Interest Margin | 2.11% | 2.65% | 3.17% | 3.72% | Beats 8% | 615 / 667 | |
| Efficiency Ratio | 126.28% | 61.12% | 72.05% | 83.78% | Beats 5% | 637 / 666 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.05% | 0.30% | 0.85% | Beats 62% | 236 / 618 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.12% | Beats 72% | 175 / 618 | |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 11.13% | 13.49% | 17.77% | Beats 27% | 485 / 667 | |
| Total Risk-Based Capital Ratio | 11.97% | 11.67% | 14.21% | 18.52% | Beats 28% | 480 / 667 | |
| Equity / Assets | 7.31% | 8.17% | 9.66% | 12.46% | Beats 15% | 564 / 667 | |
| Liquidity & Funding |
| Loans / Deposits | 94.65% | 64.24% | 78.98% | 92.82% | 78th pctl | 137 / 629 | |
| Loans / Assets | 80.77% | 56.57% | 68.68% | 77.67% | 84th pctl | 100 / 618 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |