Greene Commercial Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Greene Commercial Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 47.22% in Q3 2026, up 2.57 percentage points from 44.64% in Q3 2025. Across the 12 quarters shown it ranged from 43.09% (Q1 2025) to 51.28% (Q2 2026).
The standout move of Q3 2026 was in Common equity Tier 1 ratio: 4.06 percentage points lower than in Q2 2026, at 47.22%. Among 81 New York banks, Greene Commercial Bank sits 6th from the top on CET1 ratio, 47.22% as of Q3 2026. Against a median of 13.60% for banks in the $1B-10B asset tier, Greene Commercial Bank reported 47.22% on CET1 ratio in Q3 2026, 33.62 points higher.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 47.22% |
| Tier 1 risk-based capital ratio | 47.22% |
| Total risk-based capital ratio | 47.22% |
| Tier 1 leverage ratio | 10.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: risk-weighted assets, up 10.8% to $295.8M in Q3 2026 after $267.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $139.7M |
| Tier 1 capital | $139.7M |
| Total risk-based capital | $139.7M |
| Total equity capital | $125.0M |
| Risk-weighted assets | $295.8M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to total assets changed the most here, down 0.90 points to 8.62% in Q3 2026 from 9.52% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.62% |
| Tangible equity to tangible assets | 8.62% |
| Equity capital to average assets | 9.58% |
| Internal capital growth rate | 8.64% |
Capital structure
Largest change in this table: retained earnings, up 3.0% to $93.4M in Q3 2026 after $90.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $45.3M |
| Retained earnings | $93.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.7M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 47.20% | 47.20% | 47.20% | 8.91% | $226.5M |
| Q1 2024 | 44.58% | 44.58% | 44.58% | 8.94% | $243.6M |
| Q2 2024 | 49.50% | 49.50% | 49.50% | 9.12% | $222.9M |
| Q3 2024 | 46.14% | 46.14% | 46.14% | 9.78% | $241.3M |
| Q4 2024 | 47.71% | 47.71% | 47.71% | 8.97% | $245.3M |
| Q1 2025 | 43.09% | 43.09% | 43.09% | 8.93% | $277.0M |
| Q2 2025 | 46.86% | 46.86% | 46.86% | 9.13% | $260.9M |
| Q3 2025 | 44.64% | 44.64% | 44.64% | 9.82% | $279.2M |
| Q4 2025 | 50.19% | 50.19% | 50.19% | 8.92% | $254.5M |
| Q1 2026 | 46.42% | 46.42% | 46.42% | 9.52% | $284.7M |
| Q2 2026 | 51.28% | 51.28% | 51.28% | 10.05% | $267.1M |
| Q3 2026 | 47.22% | 47.22% | 47.22% | 10.71% | $295.8M |
Greene Commercial Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Greene Commercial Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 57710) · FFIEC NIC profile (RSSD 3268249)