A thriving 3-year-old river birch with 50% yellow leaves and black trunk/limb coating has aphid infestation. Aphids excrete honeydew (sugar-rich), on which sooty mold grows—black, non-parasitic, cosmetic. The mold doesn't kill the tree; aphids cause the yellowing/defoliation.
Check leaf undersides for soft, round, green insects—aphids cluster on new growth.
Imidacloprid soil drench (Bayer Advanced) at base. Translocates to leaves in 1–2 weeks, kills aphids, lasts 12 months. Treats the cause (aphids), eliminating the effect (sooty mold).
This is a very treatable, common birch issue.
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