Greene Commercial Bank
Greene Commercial Bank is an FDIC-insured commercial bank headquartered in Catskill, NY, supervised by the FDIC, with $1.45B in total assets at Q3 2026, up 4.3% from Q3 2025, the 45th largest of 105 banks headquartered in New York. It was established in 2004 and holds FDIC certificate 57710. Its CET1 capital ratio was 47.22% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as GCB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57710
- Headquarters
- Catskill, NY
- Established
- 2004
- Total assets, Q3 2026
- $1.45B
- Assets vs Q3 2025
- +4.3%
- CET1 ratio, Q3 2026
- 47.22%
- Domestic offices
- 1 branch
- Routing number
- 021313886
- Safety and soundness
- Is Greene Commercial Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Greene Commercial Bank call report
- Holding company
- BANK OF GREENE
- Asset rank in state
- 45th of 105 in New York
Greene Commercial Bank, based in Catskill, New York, reported $1.5 billion in assets at September 30, 2026, up 4.3% from a year earlier. It keeps 1.65 cents of net interest income on every dollar of earning assets, about half the median of 3.80 cents for the 887 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 47.22% of its risk-weighted assets, 3.5 times the median of 13.62% for banks its size.
Its securities portfolio is underwater by $83 million, an amount equal to 60% of Tier 1 capital. Net income for the quarter rose 14% from a year earlier, to $2.7 million. Funding is the softer spot: it holds most of its deposits (87%) above the FDIC insurance limit, about triple the median of 31.1% for banks its size.
As of September 30, 2026, Greene Commercial Bank reported a CET1 capital ratio of 47.22%, a return on assets of 0.83% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Greene Commercial Bank ranks as the 45th largest of the 105 banks based in New York, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 9.9% to $1.45B, deposits rose 11.0%. Its one office in the FDIC Summary of Deposits is in Catskill, NY. Judged on its Q3 2026 call report, Greene Commercial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 425 Main St, Catskill, NY 12414
- County
- Greene
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 20, 2004
- Domestic offices
- 1 branch
- Domestic deposits
- $1.32B
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.30B
- Average total loans
- $0
- Average interest-bearing deposits
- $1.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 20, 2004
- FDIC Cert
- 57710
- Fed RSSD
- 3268249
- Website
- www.bankofgreene.com →
- Parent Holding Company
- BANK OF GREENE (RSSD 214106)
- 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 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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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, Greene Commercial Bank's total assets ran between $1.13B (Q4 2023) and $1.45B (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
$1.45B total assets against $1.39B; $1.33B total liabilities against $1.28B.
$0 net loans and leases against $0; $1.32B total deposits against $1.28B.
$1.19B securities against $1.08B; $250.2M cash and balances due against $292.3M.
$11.2M total interest income against $10.8M; $6.6M total interest expense against $7.8M.
$4.6M net interest income against $3.1M.
$3K total noninterest income against $0; $589K total noninterest expense against $602K.
No provision recorded in the last 12 quarters.
$2.7M net income against $2.4M.
0.83% return on assets against 0.75%; 1.65% net interest margin against 1.18%.
47.22% CET1 capital ratio against 44.64%; 10.71% tier 1 leverage ratio against 9.82%.
Inside the full Greene Commercial Bank 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Greene Commercial Bank rankings
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.52% (Q4 2024) to 1.40% (Q2 2026) and its net interest margin ran from 0.87% (Q4 2024) to 2.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 47.22% | 0.83% | — | 0.00% | 1.65% |
| Q2 2026 | 51.28% | 1.40% | — | 0.00% | 2.01% |
| Q1 2026 | 46.42% | 1.28% | — | 0.00% | 1.88% |
| Q4 2025 | 50.19% | 0.86% | — | 0.00% | 1.47% |
| Q3 2025 | 44.64% | 0.75% | — | 0.00% | 1.18% |
| Q2 2025 | 46.86% | 0.87% | — | 0.00% | 1.32% |
| Q1 2025 | 43.09% | 0.69% | — | 0.00% | 1.28% |
| Q4 2024 | 47.71% | 0.52% | — | 0.00% | 0.87% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Greene County Commercial Bank | Catskill , NY | 12414 | $1.19B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 74 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Greene Commercial Bank
What are Greene Commercial Bank's total assets?
As of the Q3 2026 filing, Greene Commercial Bank reported total assets of $1.45 billion in its FFIEC call report.
Where is Greene Commercial Bank headquartered?
It is headquartered in Catskill, NY, United States.
When was Greene Commercial Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Greene Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57710). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Greene Commercial Bank?
Greene Commercial Bank's primary federal regulator is the FDIC.
What is Greene Commercial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 47.22% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Greene Commercial Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Greene Commercial Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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