BlastPoint's Banking Scorecard
The Bank of Greene County
Community
Specialty: Commercial
NY
FDIC cert 21591
Catskill, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
The Bank of Greene County faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.20% below tier
- - Non-Interest-Bearing Deposit Share 16.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+6.1% YoY
+2.8% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$1.7B
+8.8% YoY
+1.0% QoQ
|
+$690.6M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.7B
+6.6% YoY
-3.7% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.27%
+26.5% YoY
+2.6% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
2.46%
+22.7% YoY
+2.0% QoQ
|
-1.20% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
46.89%
-14.1% YoY
-1.1% QoQ
|
-15.74% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.20%
-26.0% YoY
-9.3% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
62.85%
+2.0% YoY
+4.9% QoQ
|
-20.21% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.25%
-11.9% YoY
-23.4% QoQ
|
-16.80% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-24.1% YoY
-11.0% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
15.64%
-2.4% YoY
+1.1% QoQ
|
+5.39% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.49%
+2.4% YoY
+26.6% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
4.25%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
89
89th pctile
Efficiency Ratio
Current: 46.89% · Tier avg: 62.63%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.85% · Tier avg: 83.06%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
81
81th pctile
Tier 1 Capital Ratio
Current: 15.64% · Tier avg: 10.24%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
6
6th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.25% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.25% · Tier avg: 21.05%
6
6th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.64% · Tier avg: 10.24%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.85% · Tier avg: 83.06%
89
89th pctile
Efficiency Ratio
Current: 46.89% · Tier avg: 62.63%
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B