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
Unfavorable gap of $14.6M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.11% | 2.67% | 3.19% | 3.72% | Beats 7% | 559 / 604 | | |
| Efficiency Ratio | 126.28% | 60.42% | 71.67% | 83.77% | Beats 4% | 579 / 603 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.07% | 0.31% | 0.86% | Beats 64% | 202 / 553 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.13% | Beats 73% | 151 / 553 | | |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 11.06% | 13.82% | 18.29% | Beats 27% | 438 / 604 | | |
| Total Risk-Based Capital Ratio | 11.97% | 11.68% | 14.50% | 19.03% | Beats 28% | 434 / 604 | | |
| Equity / Assets | 7.31% | 8.17% | 9.66% | 12.64% | Beats 16% | 510 / 604 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.65% | 63.55% | 78.98% | 91.89% | 80th pctl | 114 / 566 | | |
| Loans / Assets | 80.77% | 56.22% | 68.51% | 77.12% | 85th pctl | 84 / 553 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |