Bank Safety Analysis
Is Greene County Commercial Bank Safe? Catskill, New York
Based on its Q3 2026 call report, Greene County Commercial Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Greene County Commercial Bank safe?
On its Q3 2026 call report, Greene County Commercial Bank's CET1 ratio is 47.22%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 47.22%
- Tier 1 leverage ratio (Q3 2026): 10.71%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Greene County Commercial Bank is an FDIC-insured commercial bank (FDIC Certificate #57710). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Greene County Commercial Bank (FDIC Certificate #57710) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Greene County Commercial Bank passes all 4 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: uninsured deposit share and held-to-maturity unrealized loss to equity.
CET1 ratio dropped 4.06 percentage points in Q3 2026, from 51.28% to 47.22%. It was the largest change from Q2 2026 among the key lines here. On CET1 ratio, Greene County Commercial Bank ranks 6th highest among the 81 banks headquartered in New York, at 47.22% (Q3 2026). Greene County Commercial Bank's CET1 ratio of 47.22% is well above the 13.60% median for banks in the $1B-10B asset tier, a gap of 33.62 points (Q3 2026).
From Q4 2023 to Q3 2026, Greene County Commercial Bank's CET1 ratio ranged between 43.09% (Q1 2025) and 51.28% (Q2 2026) and its Texas ratio held at 0.00% in every quarter. Between Q3 2025 and Q3 2026, Greene County Commercial Bank's CET1 ratio rose from 44.64% to 47.22%, Texas ratio held at 0.00% and return on assets rose from 0.75% to 0.83%.
By total assets at Q3 2026, Greene County Commercial Bank is the 45th largest of the 105 banks headquartered in New York. Against the 941 banks with $1B to $10B in assets for Q3 2026, Greene County Commercial Bank's CET1 ratio of 47.22% is above the 13.60% median, Tier 1 leverage ratio of 10.71% is above the 10.54% median, Texas ratio of 0.00% is below the 3.95% median, and efficiency ratio of 9.68% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Greene County Commercial Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Greene County Commercial Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Greene County Commercial Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 47.22% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | 87.34% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 50.56% | Flagged |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 47.22% |
| Q2 2026 | 51.28% |
| Q1 2026 | 46.42% |
| Q4 2025 | 50.19% |
| Q3 2025 | 44.64% |
| Q2 2025 | 46.86% |
| Q1 2025 | 43.09% |
| Q4 2024 | 47.71% |
| Q3 2024 | 46.14% |
| Q2 2024 | 49.50% |
| Q1 2024 | 44.58% |
| Q4 2023 | 47.20% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
How have Greene County Commercial Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $1.45B | 47.22% | 10.71% | — | 0.00% | 9.68% |
| Jun 30, 2026 | $1.32B | 51.28% | 10.05% | — | 0.00% | 7.72% |
| Mar 31, 2026 | $1.41B | 46.42% | 9.52% | — | 0.00% | 9.45% |
| Dec 31, 2025 | $1.30B | 50.19% | 8.92% | — | 0.00% | 10.59% |
| Sep 30, 2025 | $1.39B | 44.64% | 9.82% | — | 0.00% | 13.50% |
| Jun 30, 2025 | $1.29B | 46.86% | 9.13% | — | 0.00% | 11.87% |
| Mar 31, 2025 | $1.38B | 43.09% | 8.93% | — | 0.00% | 11.93% |
| Dec 31, 2024 | $1.22B | 47.71% | 8.97% | — | 0.00% | 15.65% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Greene County Commercial Bank FDIC insured?
Yes. Greene County Commercial Bank is an FDIC-insured commercial bank (FDIC Certificate #57710). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Greene County Commercial Bank well capitalized?
On its Q3 2026 call report, Greene County Commercial Bank's CET1 ratio is 47.22%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Greene County Commercial Bank's key safety ratios?
For Q3 2026, Greene County Commercial Bank reports CET1 47.22%, leverage 10.71%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Greene County Commercial Bank fails?
For Q3 2026, Greene County Commercial Bank reported $1.32B in total deposits, 87.34% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Greene County Commercial Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Greene County Commercial Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 57710) · FFIEC NIC profile (RSSD 3268249)
Explore: Full Greene County Commercial Bank profile · Other banks in NY · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.