Bank of Greene
Bank of Greene is an FDIC-insured savings institution headquartered in Catskill, NY, supervised by the OCC, with $3.24B in total assets at Q3 2026, up 6.0% from Q3 2025, the 26th largest of 105 banks headquartered in New York. It was established in 1974 and holds FDIC certificate 21591. Its CET1 capital ratio was 17.40% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 21591
- Headquarters
- Catskill, NY
- Established
- 1974
- Total assets, Q3 2026
- $3.24B
- Assets vs Q3 2025
- +6.0%
- CET1 ratio, Q3 2026
- 17.40%
- Domestic offices
- 19 branches
- Routing number
- 221370467
- Safety and soundness
- Is Bank of Greene safe?
- Latest call report
- Q3 2026, FFIEC 041 · Bank of Greene call report
- Holding company
- GREENE BANCORP, INC.
- Asset rank in state
- 26th of 105 in New York
Bank of Greene runs leaner than most banks of its size. Based in Catskill, New York, it had $3.2 billion in assets at September 30, 2026, up 6.0% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 57 cents). It also holds 14% of its deposits (14%) above the FDIC insurance limit, about half the median of 31.1% for banks its size.
Earnings jumped: net income for the quarter was $13 million, 35% above the same quarter a year earlier. Unrealized losses on its securities total $84 million, equal to 27% of Tier 1 capital, against 15% a year earlier. Its margin is thin by comparison: it keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.80 cents).
As of September 30, 2026, Bank of Greene reported a CET1 capital ratio of 17.40%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Bank of Greene is the 26th largest of the 105 banks headquartered in New York. From Q2 2026 to Q3 2026, its total assets rose 1.9% to $3.24B, loans rose 1.3% and deposits rose 4.5%. Non-owner-occupied commercial real estate loans made up 31.9% of its total loans on September 30, 2026, its largest category; next came 1-4 family residential loans at 27.9%. Its 20 offices in the FDIC Summary of Deposits are in 17 cities in NY; its Catskill 3 offices book 53% of its branch deposits. Judged on its Q3 2026 call report, Bank of Greene meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 19 branches
- Employees (FTE)
- 211
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $21.4M
- Net charge-offs (YTD)
- $186K
- Average total assets
- $3.11B
- Average total loans
- $1.76B
- Average interest-bearing deposits
- $2.56B
- 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 BANCORP, INC.
- Website
- www.bankofgreene.com →
- Parent Holding Company
- GREENE 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Bank of Greene's total assets ran between $2.74B (Q4 2023) and $3.24B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$3.24B total assets against $3.06B; $2.94B total liabilities against $2.79B.
$1.76B net loans and leases against $1.65B; $2.85B total deposits against $2.75B.
$1.23B securities against $1.14B; $137.1M cash and balances due against $157.1M.
$34.8M total interest income against $31.7M; $12.4M total interest expense against $13.6M.
$22.3M net interest income against $18.2M.
$3.9M total noninterest income against $3.9M; $10.6M total noninterest expense against $10.2M.
-$302K provision for credit losses against $1.0M.
$12.8M net income against $9.5M.
1.65% return on assets against 1.29%; 3.17% net interest margin against 2.76%.
17.40% CET1 capital ratio against 15.46%; 10.19% tier 1 leverage ratio against 9.55%.
Inside the full Bank of Greene terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Greene rankings
Its closest position to the top of a national ranking is 151 of 3,624, for efficiency ratio; its furthest is 895 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.12% (Q4 2024) to 1.65% (Q3 2026) and its net interest margin ran from 2.32% (Q4 2024) to 3.17% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 17.40% | 1.65% | 0.18% | 1.04% | 3.17% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 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.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Greene
What are Bank of Greene's total assets?
As of the Q3 2026 filing, Bank of Greene reported total assets of $3.24 billion in its FFIEC call report.
Where is Bank of Greene headquartered?
It is headquartered in Catskill, NY, United States.
When was Bank of Greene founded?
It was established in 1974, per the FDIC institution directory.
Is Bank of Greene FDIC-insured?
Yes. It 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.
What is Bank of Greene's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.40% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Greene operate?
It operates 19 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?
Its Texas Ratio is 1.04% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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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