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The Bank of Greene County

$1B-$10B Specialty: Commercial NY FDIC cert 21591

Designations: ✓ Community bank

Catskill, NY

20 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +2.2% year over year ($2.7B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.42%.
  • Efficiency ratio 46.81% vs a 59.73% peer average.
  • Loan-to-deposit ratio 63.45% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

The Bank of Greene County has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 10.0% in tier
  • + Loan-to-Deposit Ratio 21.59% below tier average
  • + Efficiency Ratio 12.91% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.8% in tier
  • - Credit Risk Growth: Bottom 32.6% in tier
  • - Net Interest Margin 1.09% below tier average
  • - Non-Interest-Bearing Deposit Share 15.44% below tier average
Get updates when The Bank of Greene County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $3.2B
+4.7% YoY +0.1% QoQ
+$391.1M $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $1.7B
+7.7% YoY +0.3% QoQ
-$231.5M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $2.7B
+2.2% YoY -1.8% QoQ
+$410.5M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.42%
+15.1% YoY +3.5% QoQ
+0.03% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 2.78%
+17.1% YoY +2.2% QoQ
-1.09% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 8.0% in tier
Efficiency Ratio ? 46.81%
-2.5% YoY -0.8% QoQ
-12.91% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
85%
Delinquency Rate ? 0.23%
+19.4% YoY +27.7% QoQ
-0.64% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 63.45%
+5.4% YoY +2.1% QoQ
-21.59% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 9.2% in tier
Non-Interest-Bearing Deposit Share ? 5.83%
+18.4% YoY +39.1% QoQ
-15.44% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Bottom 5.0% in tier
Nonperforming Asset Ratio ? 0.12%
+22.8% YoY +28.0% QoQ
-0.55% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 15.85%
+3.0% YoY +0.7% QoQ
+1.01% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.23%
-13.7% YoY +100.8% QoQ
-0.30% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 5.8%
+0.9pp YoY
+1.6pp QoQ
 -15.5pp 21.4% 22.1% 22.2% 4%
Brokered Deposits 1.9%
0.0pp YoY
+0.8pp QoQ
 -7.5pp 9.5% 8.0% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 4.9%
+0.2pp YoY
+0.2pp QoQ
 -9.1pp 14.0% 11.0% 12.5% 18%
CRE 64.1%
+0.9pp YoY
-0.5pp QoQ
 +14.1pp 50.0% 46.2% 41.4% 82%
1-4 Family 28.6%
-1.8pp YoY
+0.1pp QoQ
 +2.2pp 26.4% 36.6% 31.3% 63%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.5pp 4.7% 5.1% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 15.8%
+0.5pp YoY
+0.1pp QoQ
 +0.3pp 15.6% 26.1% 19.7% 76%
Leverage Ratio 9.9%
+0.6pp YoY
0.0pp QoQ
 -1.4pp 11.3% 13.9% 12.6% 33%
Total Capital Ratio 17.1%
+0.5pp YoY
+0.1pp QoQ
 +0.4pp 16.7% 27.2% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 216
+13 (+6.4%) YoY
+10 (+4.9%) QoQ
 -98 313 914 482 45%
Assets per Employee ($) $14.7M
-1.6% YoY
-4.6% QoQ
 +$4.3M $10.5M $14.8M $8.8M 88%
Branch Count 19
0 YoY
0 QoQ
 -1 20 27 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.8% 1.3% 1.0% 24%
Allowance Coverage 5.54x
-15.7% YoY
-21.6% QoQ
 -13.17x 18.71x 1.92x 20.23x 80%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 15.6%
+1.2pp YoY
+0.4pp QoQ
 +3.0pp 12.6% 7.9% 11.6% 77%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.8% 1.7% 28%
Net Income ($, YTD) $22.5M
+21.5% YoY
— QoQ
 +$3.2M $19.2M $111.2M $40.4M 74%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#23 of 221 • Top 10.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#54 of 492 • Bottom 10.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#132 of 402 • Bottom 32.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

82
Loan-to-Deposit Ratio
liquidity
Value: 63.45%
Peer Median: 85.04%
#82 of 885 Top 9.2% in $1B-$10B
136
Efficiency Ratio
profitability
Value: 46.81%
Peer Median: 59.73%
#136 of 885 Top 15.3% in $1B-$10B
160
Nonperforming Asset Ratio
credit_quality
Value: 0.12%
Peer Median: 0.67%
#160 of 885 Top 18.0% in $1B-$10B
184
Tier 1 Capital Ratio
capital
Value: 15.85%
Peer Median: 14.84%
#184 of 885 Top 20.7% in $1B-$10B
210
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 0.87%
#210 of 882 Top 23.7% in $1B-$10B

Top Weaknesses (2 metrics)

842
Non-Interest-Bearing Deposit Share
funding
Value: 5.83%
Peer Median: 21.27%
#842 of 885 Bottom 5.0% in $1B-$10B
815
Net Interest Margin
profitability
Value: 2.78%
Peer Median: 3.87%
#815 of 885 Bottom 8.0% in $1B-$10B
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