Greene Commercial Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Greene Commercial Bank reported 19 of the 23 line items on this page. CET1 capital 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 Securities to assets: 4.17 percentage points lower than in Q2 2026, at 81.69%. Within New York, Greene Commercial Bank is 62nd of 105 on return on assets, 0.83% as of Q3 2026. The median for banks in the $1B-10B asset tier is 1.30% on return on assets. Greene Commercial Bank sits 0.47 points lower, at 0.83% (Q3 2026).
Capital adequacy
CET1 capital ratio changed the most here, down 4.06 points to 47.22% in Q3 2026 from 51.28% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 47.22% |
| Tier 1 risk-based capital ratio | 47.22% |
| Total risk-based capital ratio | 47.22% |
| Tier 1 leverage ratio | 10.71% |
| Equity capital to assets | 8.62% |
| Tangible equity to tangible assets | 8.62% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | — |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of nonperforming loans | — |
Earnings
Return on equity moved most in this table, down 6.82 points: 15.48% in Q2 2026, 8.66% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 8.66% |
| Net interest margin | 1.65% |
| Efficiency ratio | 9.68% |
| Yield on earning assets | 3.71% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 97.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.28% |
| Securities to assets | 81.69% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 47.20% | 47.20% | 47.20% | 8.91% | 0.43% |
| Q1 2024 | 44.58% | 44.58% | 44.58% | 8.94% | 0.55% |
| Q2 2024 | 49.50% | 49.50% | 49.50% | 9.12% | 0.57% |
| Q3 2024 | 46.14% | 46.14% | 46.14% | 9.78% | 0.36% |
| Q4 2024 | 47.71% | 47.71% | 47.71% | 8.97% | 0.52% |
| Q1 2025 | 43.09% | 43.09% | 43.09% | 8.93% | 0.69% |
| Q2 2025 | 46.86% | 46.86% | 46.86% | 9.13% | 0.87% |
| Q3 2025 | 44.64% | 44.64% | 44.64% | 9.82% | 0.75% |
| Q4 2025 | 50.19% | 50.19% | 50.19% | 8.92% | 0.86% |
| Q1 2026 | 46.42% | 46.42% | 46.42% | 9.52% | 1.28% |
| Q2 2026 | 51.28% | 51.28% | 51.28% | 10.05% | 1.40% |
| Q3 2026 | 47.22% | 47.22% | 47.22% | 10.71% | 0.83% |
Greene Commercial Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)