Credit Ratings

	Fitch Ratings

Long-term Issuer

A- (OS)
5/16/2022

Ratings History

	A- (OS) 5/16/2022
	A- (OS) 5/21/2021
	A- (OS) 9/3/2020
	A- (OS) 5/4/2020
	A- (OS) 5/13/2019
	BBB+ (OS) 8/24/2018

Short-term/Commercial Paper

F2
5/16/2022

Ratings History

	F2 5/16/2022
	F2 5/21/2021
	F2 9/3/2020
	F2 5/4/2020
	F2 5/13/2019
	F2 8/24/2018

Ratings Watch Action Legend: (WP) Watch Positive, (WN) Watch Negative, (WU) Watch Uncertain, (WR) Watch Removed, (OP) Outlook Positive, (ON) Outlook Negative, (OS) Outlook Stable, (OD) Outlook Developing

	Fitch Ratings

Community Bank, National Association

Certificate of Deposit	A- 5/16/2022
	A- 8/24/2018
	A- 8/31/2017
	A- 10/25/2016
	A- 9/16/2016

Certificate of Deposit

A-
5/16/2022

Long-Term Ratings

Fitch

Highest Credit Quality

AAA
Very High Credit Quality

AA+
High Credit Quality

A+
Good Credit Quality

BBB+
Speculative

BB+
Highly Speculative

B+
High Default Risk

CCC+
Default

DDD

Moody's

Highest Quality

(P)Aaa Aaa
High Quality

Aa1 (P)Aa1 (P)Aa2 Aa2 Aa3 (P)Aa3
Upper-Medium Quality

(P)A1 A1 A2 (P)A2 (P)A3 A3
Medium-Grade Quality

Baa1 (P)Baa1 (P)Baa2 Baa2 Baa3 (P)Baa3
Substantial Risk

(P)Ba1 Ba1 Ba2 (P)Ba2 (P)Ba3 Ba3
High Risk

B1 (P)B1 (P)B2 B2 B3 (P)B3
Very High Risk

(P)Caa1 Caa1 Caa2 (P)Caa2 (P)Caa3 Caa3
Highly Speculative

(P)Ca Ca
Default

C (P)C

S&P

Extremely Strong

AAA AAApi AAAt
Very Strong

AA+ AA+pi AA+t AApi Aat AA AA- AA-pi AA-t
Strong

A+ A+pi A+t Api At A A- A-pi A-t
Adequate

BBB+ BBB+pi BBB+t BBB BBBpi BBBt BBB- BBB-pi BBB-t
Less Vulnerable

BB+ BB+pi BB+t BB BBpi BBt BB- BB-pi BB-t
More Vulnerable

B+ B+pi B+t B Bpi Bt B- B-pi B-t
Currently Vulnerable

CCC+ CCC+pi CCC+t CCCpi CCCt CCC CCC- CCC-pi CCC-t
Highly Vulnerable

CCpi CCt CC C+ C+pi C+t C Cpi Ct
Selective Default

SD SDpi SDt
Default

D+ D+pi D+t Dpi Dt D
Regulatory Supervision

R Rpi Rt

Short-Term Ratings

Fitch

Exceptionally High Quality

F1+
High Quality

F1
Good Quality

F2
Fair Quality

F3
Speculative

B
High Default Risk

C
Default

D

Moody's

Superior

(P)MIG 1 (P)P-1 (P)VMIG 1 MIG 1 P-1 VMIG 1
Strong

VMIG 2 P-2 MIG 2 (P)VMIG 2 (P)P-2 (P)MIG 2
Acceptable

(P)MIG 3 (P)P-3 (P)VMIG 3 MIG 3 P-3 VMIG 3
Not Prime

NP (P)NP

S&P

Extremely Strong

A-1+
Strong

A-1
Satisfactory

A-2
Adequate

A-3
More Vulnerable

B B-1 B-2 B-3
Highly Vulnerable

C
Selective Default

SD
Default

D
Regulatory Supervision

R

Financial Strength Ratings

Fitch

Exceptionally Strong

AAA
Very Strong

AA+
Strong

A+
Good

BBB+
Moderately Weak

BB+
Weak

B+
Very Weak

CCC+
Distressed

DDD

Moody's

Exceptional Security

Aaa
Excellent Security

Aa1 Aa2 Aa3
Good Security

A1 A2 A3
Adequate Security

Baa1 Baa2 Baa3
Questionable Security

Ba1 Ba2 Ba3
Poor Security

B1 B2 B3
Very Poor Security

Caa1 Caa2 Caa3
Extremely Poor Security

Ca C

S&P

Extremely Strong

AAA AAApi
Very Strong

AA+ AA+pi AApi AA AA- AA-pi
Strong

A+ A+pi Api A A- A-pi
Good

BBB+ BBB+pi BBBpi BBB BBB- BBB-pi
Marginal

BB+ BB+pi BB BBpi BB- BB-pi
Weak

B+ B+pi B Bpi B- B-pi
Very Weak

CCC+ CCC+pi CCCpi CCC CCC- CCC-pi
Extremely Weak

CCpi CC
Regulatory Action

R