Bank of Greene: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Greene, based in Catskill, New York, reported $3.2 billion in assets at June 30, 2026, up 4.7% from a year earlier. It holds 15% of its deposits (15%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 18% from a year earlier, to $12 million. Over the same year, loans grew 7.7% and deposits grew 2.2%. Its margin is thin by comparison: it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Bank of Greene reported a CET1 capital ratio of 15.85%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.25%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 425 Main St, Catskill, NY 12414
- County
- Greene
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 18, 1974
- Former names
- The Bank of Greene County (1998-2026); Greene County Savings Bank (1974-1998)
- Offices
- 20 domestic
- Employees (FTE)
- 216
- Domestic deposits
- $2.73B
- Allowance for credit losses
- $21.9M
- Net charge-offs (YTD)
- $138K
- Average total assets
- $3.08B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $2.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 21591
- Fed RSSD
- 214106
- SEC CIK
- 1070524 → filed by GREENE COUNTY BANCORP, INC.
- Website
- www.tbogc.com →
- Parent Holding Company
- GREENE COUNTY BANCORP, INC. (RSSD 2728607) · GCBC
- Ultimate Parent
- GREENE COUNTY BANCORP, MHC (RSSD 2728595)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Donald E Gibson | CEO | President and CEO |
| Nick Barzee | CFO | SVP and CFO |
| Michelle M Plummer | COO | SEVP, CFO & COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Greene terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Greene, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Greene rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.85% | 1.51% | 0.23% | 1.25% | 3.09% |
| Q1 2026 | 15.75% | 1.41% | 0.18% | 0.98% | 2.97% |
| Q4 2025 | 15.64% | 1.36% | 0.19% | 1.08% | 2.78% |
| Q3 2025 | 15.46% | 1.29% | 0.21% | 1.23% | 2.76% |
| Q2 2025 | 15.39% | 1.34% | 0.19% | 1.10% | 2.64% |
| Q1 2025 | 15.84% | 1.18% | 0.18% | 1.03% | 2.59% |
| Q4 2024 | 16.02% | 1.12% | 0.26% | 1.50% | 2.32% |
| Q3 2024 | 16.18% | 1.01% | 0.24% | 1.38% | 2.29% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 20 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Greene County | Catskill , NY | 12414 | $1.37B |
| Wolf Road Branch | Albany , NY | 12205 | $160.2M |
| Kingston Branch | Kingston , NY | 12401 | $152.6M |
| Greenport Branch | Hudson , NY | 12534 | $136.6M |
| Cairo Branch | Cairo , NY | 12413 | $128.5M |
| Ghent Branch | Ghent , NY | 12075 | $101.1M |
| Coxsackie Branch | West Coxsackie , NY | 12192 | $83.3M |
| Greenville Branch | Greenville , NY | 12083 | $79.1M |
| Woodstock Branch | Woodstock , NY | 12498 | $74.1M |
| Catskill Branch | Catskill , NY | 12414 | $73.5M |
| Copake Branch | Copake , NY | 12516 | $70.4M |
| Tannersville Branch | Tannersville , NY | 12485 | $63.0M |
| East Greenbush Branch | East Greenbush , NY | 12061 | $44.5M |
| Ravena-Coeymans Branch | Ravena , NY | 12143 | $43.0M |
| Kinderhook-Valatie Branch | Valatie , NY | 12184 | $39.2M |
| 7th Street Hudson Branch | Hudson , NY | 12534 | $37.3M |
| Germantown Branch | Germantown , NY | 12526 | $33.3M |
| Westerlo Branch | Westerlo , NY | 12193 | $26.6M |
| Clifton Park Branch | Clifton Park , NY | 12065 | $17.0M |
| Adminstrative Branch | Catskill , NY | 12414 | $0 |
Regulatory record
What the public regulatory sources show for Bank of Greene, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC (former OTS))
- July 15, 2010, OCC (former OTS): Termination of Supervisory Agreement: The Bank of Greene County
- June 22, 2010, OCC (former OTS): Civil Money Penalty: The Bank of Greene County
- July 22, 2009, OCC (former OTS): Supervisory Agreement: Bank of Greene County
- Period: Most recent institution action July 15, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 51 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 530 applications, 351 loans originated, $88.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Greene
What are Bank of Greene's total assets?
As of the Q2 2026 filing, Bank of Greene reported total assets of $3.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Greene headquartered?
Bank of Greene is headquartered in Catskill, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Bank of Greene founded?
Bank of Greene was established in 1974, per the FDIC institution directory.
Is Bank of Greene FDIC-insured?
Yes. Bank of Greene is an FDIC-insured savings institution (FDIC Certificate #21591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Greene?
Bank of Greene's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Greene's CET1 capital ratio?
Bank of Greene reported a Common Equity Tier 1 (CET1) capital ratio of 15.85% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Greene operate?
Bank of Greene operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Greene's Texas Ratio?
Bank of Greene's Texas Ratio is 1.25% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bank of Greene previously called?
The charter now named Bank of Greene has also operated as The Bank of Greene County (1998-2026), Greene County Savings Bank (1974-1998), per FDIC structure-change records.
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