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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

3.59%Q2 ’243.55%Q2 ’253.61%Q2 ’26+28%+51%

Non-interest income vs. expense

0.25%Q2 ’240.18%Q2 ’250.16%Q2 ’26-29%-11%

Executive Summary

  • Earnings: ROA of 1.40%, up 53 bps year over year; NIM at 1.60%.
  • 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 (quarter, annualized)

1.40%+53 bps YoY

Net Interest Margin (quarter, annualized)

1.60%+54 bps YoY

Efficiency Ratio (quarter, annualized)

9.76%-668 bps YoY

Tier 1 Leverage Ratio

10.05%+92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.71%0.92%1.31%1.40%+53 bps
Return on Equity10.85%8.58%10.73%14.94%15.48%+464 bps
Net Interest Margin1.06%0.97%1.22%1.50%1.60%+54 bps
Efficiency Ratio16.45%19.65%14.07%12.11%9.76%-668 bps
Non-Interest Burden0.18%0.19%0.17%0.18%0.16%-2 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