Performance Ratios (%) CBU Peer Median * Peer Average *
ROAA 1.67 1.15 1.19
ROAE 10.15 9.30 9.65
Net Interest Margin 3.79 3.65 3.54
Efficiency Ratio 59.31 56.05 55.22
Loans / Deposits 74.03 94.96 96.08
Asset Quality Ratios (%)
NPAs / Assets 0.25 0.54 0.58
NCOs / Avg Loans 0.08 0.10 0.12
Reserves / Loans 0.78 0.77 0.81
Reserves / NPAs 186.86 102.01 121.90
Capital Ratios (%)
Tier 1 Capital 19.02 12.12 12.08
Tangible Equity / Tangible Assets 10.15 9.35 9.16
Total Equity / Total Assets 16.84 12.68 12.48
Market Ratios
Price / Earnings (x) 18.16 12.29 13.20
Price / Book (%) 178.01 122.66 124.53
Dividend Yield (%) 2.63 3.04 3.06
Data for trailing four quarters

* Community Bank System, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), Atlantic Union Bankshares Corporation (AUB), Berkshire Hills Bancorp, Inc. (BHLB), Brookline Bancorp, Inc. (BRKL), F.N.B. Corporation (FNB), First Commonwealth Financial Corporation (FCF), First Financial Bancorp. (FFBC), First Merchants Corporation (FRME), First Midwest Bancorp, Inc. (FMBI), Flushing Financial Corporation (FFIC), Fulton Financial Corporation (FULT), Independent Bank Corp. (INDB), NBT Bancorp Inc. (NBTB), Northwest Bancshares, Inc. (NWBI), Old National Bancorp (ONB), Park National Corporation (PRK), S&T Bancorp, Inc. (STBA), Signature Bank (SBNY), Sterling Bancorp (STL), Tompkins Financial Corporation (TMP), TrustCo Bank Corp NY (TRST), United Bankshares, Inc. (UBSI), Valley National Bancorp (VLY), Webster Financial Corporation (WBS), WesBanco, Inc. (WSBC), Wintrust Financial Corporation (WTFC)

Community Bank System, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019
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