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Greene County Commercial Bank

Catskill, NY · Cert 57710 · Greene County Bcorp MHC

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=323 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greene County Commercial Bank

Catskill, NY · Cert 57710 · Greene County Bcorp MHC

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (21 in holding)

Q2 2026

$1.3BAssets
$0KLoans
$1.2BDeposits
$125.7MEquity
Deposit mix
99%Interest-bearing $1.2B1%Noninterest $0.0BQ2 2025Q2 2026

NIM

3.52%Q2 ’243.51%Q2 ’253.61%Q2 ’26+36%+46%

Non-interest income vs. expense

0.22%Q2 ’240.18%Q2 ’250.17%Q2 ’26-19%-3%

Executive Summary

  • Earnings: ROA of 1.37%, up 57 bps year over year; NIM at 1.57%.
  • Capital: tier 1 leverage ratio of 10.05%, up 92 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+57 bps YoY

Net Interest Margin (YTD, annualized)

1.57%+50 bps YoY

Efficiency Ratio (YTD, annualized)

10.91%-549 bps YoY

Tier 1 Leverage Ratio

10.05%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.77%0.81%1.31%1.37%+57 bps
Return on Equity9.90%9.45%9.79%14.94%15.21%+532 bps
Net Interest Margin1.07%1.08%1.02%1.50%1.57%+50 bps
Efficiency Ratio16.40%17.37%16.38%12.11%10.91%-549 bps
Non-Interest Burden0.18%0.19%0.17%0.18%0.17%0 bps
Growth
Asset Growth (YoY)13.38%11.67%6.82%2.44%1.99%-1,139 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)13.42%11.67%5.95%1.44%0.72%-1,271 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.13%9.82%8.92%9.52%10.05%+92 bps
Total Risk-Based Capital46.86%44.64%50.19%46.42%51.28%+442 bps
Equity / Assets8.46%8.12%8.97%8.59%9.52%+106 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets72.89%75.18%68.85%73.82%71.92%-96 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Greene County Commercial Bank

Catskill, NY · Cert 57710 · Peer group: banks $1B-$10B in assets (n=323-328) · Greene County Bcorp MHC

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (21 in holding)

Q2 2026

$1.3BAssets
$0KLoans
$1.2BDeposits
$125.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets (rank 2 of 328).
  • Widest gap: net interest margin trails 99% of banks $1B-$10B in assets (rank 326 of 328).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.40%

Rank 108 of 328

Net Interest Margin

1.57%

Rank 326 of 328

Efficiency Ratio

10.91%

Rank 2 of 328

Equity / Assets

9.52%

Rank 216 of 328

Non-interest income vs. expense

$0.0M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 100% of banks $1B-$10B in assets
Bank 10.91%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.91%1.22%1.52%Beats 67%108 / 328
Return on Equity14.68%8.43%11.45%14.43%Beats 79%70 / 328
Net Interest Margin1.57%3.03%3.45%3.83%Beats 1%326 / 328
Efficiency Ratio10.91%51.61%59.56%67.53%Beats 100%2 / 328
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio51.28%11.75%13.15%15.47%Beats 97%10 / 328
Total Risk-Based Capital Ratio51.28%12.63%14.15%16.46%Beats 97%10 / 328
Equity / Assets9.52%9.15%10.33%12.01%Beats 34%216 / 328
Liquidity & Funding
Loans / Deposits0.00%76.63%87.92%95.36%0th pctl323 / 323
Loans / Assets0.00%65.18%74.15%79.98%0th pctl323 / 328
Brokered Deposits / Depositsn/aNot reported for this institution