Catskill, NY · Cert 57710 · Greene County Bcorp MHC
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (21 in holding)
Q2 2026
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 | 0.34% | 0.55% | 0.70% | 0.87% | 0.71% | 0.92% | 1.31% | 1.40% | +53 bps | |
| Return on Equity | 4.08% | 6.73% | 8.89% | 10.85% | 8.58% | 10.73% | 14.94% | 15.48% | +464 bps | |
| Net Interest Margin | 0.56% | 0.71% | 1.08% | 1.06% | 0.97% | 1.22% | 1.50% | 1.60% | +54 bps | |
| Efficiency Ratio | 34.11% | 24.46% | 16.35% | 16.45% | 19.65% | 14.07% | 12.11% | 9.76% | -668 bps | |
| Non-Interest Burden | 0.19% | 0.17% | 0.18% | 0.18% | 0.19% | 0.17% | 0.18% | 0.16% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 7.65% | 9.66% | 13.38% | 11.67% | 6.82% | 2.44% | 1.99% | -1,139 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 6.60% | 11.21% | 9.48% | 13.42% | 11.67% | 5.95% | 1.44% | 0.72% | -1,271 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 8.97% | 8.93% | 9.13% | 9.82% | 8.92% | 9.52% | 10.05% | +92 bps | |
| Total Risk-Based Capital | 46.14% | 47.71% | 43.09% | 46.86% | 44.64% | 50.19% | 46.42% | 51.28% | +442 bps | |
| Equity / Assets | 8.20% | 8.21% | 7.67% | 8.46% | 8.12% | 8.97% | 8.59% | 9.52% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 73.07% | 69.65% | 74.40% | 72.89% | 75.18% | 68.85% | 73.82% | 71.92% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |