BlastPoint's Banking Scorecard
The Bank of Greene County
Designations: ✓ Community bank
Catskill, NY
19 branches across NY
The Bank of Greene County has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.2% in tier
- + Loan-to-Deposit Ratio 22.08% below tier average
- + Efficiency Ratio 13.85% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.10% below tier average
- - Non-Interest-Bearing Deposit Share 17.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+5.8% YoY
+1.1% QoQ
|
+$366.1M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$1.7B
+8.0% YoY
+3.6% QoQ
|
-$238.5M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$2.8B
+4.0% YoY
+4.8% QoQ
|
+$435.8M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
1.37%
+18.7% YoY
+8.0% QoQ
|
+0.00% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
2.72%
+15.6% YoY
+10.3% QoQ
|
-1.10% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio ? |
47.21%
+1.0% YoY
+0.7% QoQ
|
-13.85% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Top 14.5% in tier |
| Delinquency Rate ? |
0.18%
-2.7% YoY
-9.0% QoQ
|
-0.71% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
62.12%
+3.8% YoY
-1.2% QoQ
|
-22.08% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.19%
-8.4% YoY
-1.3% QoQ
|
-17.10% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.5% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-0.6% YoY
-6.8% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Top 13.9% in tier |
| Tier 1 Capital Ratio ? |
15.75%
-0.6% YoY
+0.7% QoQ
|
+0.59% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.11%
-21.9% YoY
-76.9% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.