Scotia, NY · Cert 11501 · Glenville Bank Holding Co. Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · Albany-Schenectady-Troy, NY · 2026 SOD (annual) · 2.0% share · #12 of 19 inst. · $0.6B of $31.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.76% | 0.64% | 0.86% | 0.81% | 0.56% | 0.74% | 0.74% | -12 bps | |
| Return on Equity | 10.48% | 9.05% | 7.44% | 9.93% | 9.21% | 6.14% | 7.77% | 7.81% | -212 bps | |
| Net Interest Margin | 3.84% | 3.97% | 3.74% | 3.92% | 4.05% | 4.01% | 3.98% | 3.99% | +7 bps | |
| Efficiency Ratio | 71.68% | 82.53% | 76.69% | 72.43% | 68.19% | 85.72% | 74.44% | 74.10% | +168 bps | |
| Non-Interest Burden | 2.62% | 3.18% | 2.76% | 2.68% | 2.59% | 3.36% | 2.83% | 2.84% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | 2.42% | 5.68% | 5.49% | 6.11% | 3.34% | 2.32% | 2.57% | -292 bps | |
| Loan Growth (YoY) | 0.47% | 2.35% | 3.59% | 3.32% | 4.13% | 3.14% | 1.55% | 1.20% | -212 bps | |
| Deposit Growth (YoY) | 1.13% | 2.98% | 2.82% | 1.86% | 4.47% | 3.22% | 2.18% | 3.31% | +145 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.45% | 1.48% | 1.37% | 1.38% | 1.24% | 1.51% | 1.45% | 1.50% | +12 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.22% | 0.24% | 0.10% | 0.52% | 0.21% | 0.19% | 0.08% | -2 bps | |
| Allowance / Loans | 1.15% | 1.12% | 1.08% | 1.07% | 1.07% | 1.07% | 1.08% | 1.11% | +4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.8x | 0.9x | 0.7x | 0.7x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 8.90% | 8.91% | 8.90% | 8.94% | 9.13% | 9.19% | 9.22% | +33 bps | |
| Total Risk-Based Capital | 13.92% | 13.99% | 13.80% | 13.96% | 14.31% | 14.30% | 14.50% | 14.86% | +90 bps | |
| Equity / Assets | 8.24% | 8.65% | 8.65% | 8.75% | 8.82% | 9.49% | 9.46% | 9.48% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.36% | 84.10% | 83.12% | 83.52% | 81.09% | 84.04% | 82.60% | 81.81% | -171 bps | |
| Liquid Assets / Assets | 10.15% | 7.85% | 9.50% | 10.09% | 11.28% | 8.17% | 10.19% | 11.08% | +99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 199.74% | 197.06% | 201% | n/a | n/a | |