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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.77% | 0.64% | 0.76% | 0.77% | 0.72% | 0.74% | 0.74% | -2 bps | |
| Return on Equity | 9.67% | 9.50% | 7.44% | 8.69% | 8.86% | 8.14% | 7.77% | 7.78% | -92 bps | |
| Net Interest Margin | 3.72% | 3.76% | 3.74% | 3.79% | 3.83% | 3.92% | 3.98% | 3.95% | +16 bps | |
| Efficiency Ratio | 73.04% | 75.55% | 76.69% | 74.46% | 72.25% | 75.67% | 74.44% | 74.27% | -19 bps | |
| Non-Interest Burden | 2.59% | 2.72% | 2.76% | 2.69% | 2.62% | 2.84% | 2.83% | 2.81% | +12 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 | 0.14% | 0.16% | 0.24% | 0.17% | 0.28% | 0.26% | 0.19% | 0.14% | -3 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 | |