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The Bank of Greene County
Catskill, NY·FDIC Cert #21591·Charter: OCC·Est. 19740518.0·HC: GREENE COUNTY BCORP MHC
Total Assets
$3.1B
Q4 2025
Return on Assets
1.27%
+0.03%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.89%
Peer avg: 58.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%+0.03
ROE
14.62%+0.28
Efficiency
46.89%-0.53
Equity/Assets
0.00%+0.00
NPL Ratio
0.20%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
62.85%+2.92
Charge-offs
0.02%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.0 | 1.2 | 1.2 | 1.2 | 1.3 |
| ROE | 11.1 | 11.8 | 11.6 | 12.0 | 13.4 | 14.4 | 14.3 | 14.6 |
| Efficiency | 58.4 | 58.2 | 56.3 | 54.6 | 46.7 | 48.0 | 47.4 | 46.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.3 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 56.7 | 61.4 | 59.1 | 61.6 | 59.8 | 60.2 | 59.9 | 62.9 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.7B
Total Loans$1.7B
Total Equity$280.3M
Profitability
ROA1.27%
ROE14.62%
Efficiency Ratio46.89%
Net Income$38.6M
Risk & Asset Quality
NPL Ratio0.20%
Charge-off Rate0.02%
Loan/Deposit62.85%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans