Performance Ratios (%) CBU Peer Median * Peer Average *
ROAA 1.40 1.25 1.26
ROAE 8.60 10.14 10.13
Net Interest Margin 3.76 3.55 3.47
Efficiency Ratio 58.19 55.04 54.06
Loans / Deposits 74.75 94.34 95.04
Asset Quality Ratios (%)
NPAs / Assets 0.24 0.56 0.61
NCOs / Avg Loans 0.10 0.12 0.16
Reserves / Loans 0.72 0.78 0.80
Reserves / NPAs 174.81 97.13 113.12
Capital Ratios (%)
Tier 1 Capital NA 11.99 12.13
Tangible Equity / Tangible Assets 9.29 9.21 9.22
Total Equity / Total Assets 15.87 12.76 12.55
Market Ratios
Price / Earnings (x) 22.53 13.43 13.02
Price / Book (%) 189.69 126.22 129.57
Dividend Yield (%) 2.43 2.87 2.93
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 9/30/2019.

Peer financial data is as of 9/30/2019
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