BlastPoint's Banking Scorecard
Greene County Commercial Bank
Community
Specialty: Other
NY
FDIC cert 57710
Catskill, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Greene County Commercial Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.25% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.54% below tier
- - Non-Interest-Bearing Deposit Share 20.24% below tier
- - Non-Interest Income / Assets 0.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+6.8% YoY
-6.2% QoQ
|
-$86.8M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? | $0 | -$975.5M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$1.2B
+6.0% YoY
-7.0% QoQ
|
+$22.8M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.81%
+58.9% YoY
+5.7% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
1.12%
+52.5% YoY
+7.3% QoQ
|
-2.54% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
16.38%
-41.2% YoY
-5.7% QoQ
|
-46.25% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | - | - |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -83.06% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
0.80%
+14.2% YoY
-19.7% QoQ
|
-20.24% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
50.19%
+5.2% YoY
+12.4% QoQ
|
+39.94% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? | 0.00% | -0.74% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
16.38%
(Tier avg: 62.63%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.12%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.80%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Efficiency Ratio
Current: 16.38% · Tier avg: 62.63%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.80% · Tier avg: 21.05%
0
0th pctile
Net Interest Margin
Current: 1.12% · Tier avg: 3.66%
0
0th pctile
Total Loans
Current: $0 · Tier avg: $975.5M
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.74%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.74%
0
0th pctile
Total Loans
Current: $0 · Tier avg: $975.5M
0
0th pctile
Net Interest Margin
Current: 1.12% · Tier avg: 3.66%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.80% · Tier avg: 21.05%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
100
100th pctile
Efficiency Ratio
Current: 16.38% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%