Greene Commercial Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, Greene Commercial Bank reported 10 of the 12 line items on this page. It did not report yield on loans and cost of borrowings. Yield on earning assets was 3.71% in Q3 2026, up 0.05 percentage points from 3.66% in Q3 2025. Across the 12 quarters shown it ranged from 3.50% (Q3 2024) to 4.03% (Q2 2026).
The largest change between Q2 2026 and Q3 2026 was in Net interest margin, which fell 0.36 percentage points to 1.65%. On net interest margin, Greene Commercial Bank is 3rd from the bottom among 105 New York banks, 1.65% (Q3 2026). Greene Commercial Bank's net interest margin of 1.65% is well below the 3.79% median for banks in the $1B-10B asset tier, a gap of 2.14 points (Q3 2026).
Asset yields
Yield on earning assets moved most in this table, down 0.32 points: 4.03% in Q2 2026, 3.71% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 3.71% |
| Yield on loans | — |
| Yield on securities | 3.60% |
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Funding costs
Cost of interest-bearing deposits moved most in this table, down 0.09 points: 2.22% in Q2 2026, 2.13% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 1.65% |
| Yield to cost spread | 1.58% |
Interest income and expense
Largest change in this table: total interest expense, down 2.6% to $6.6M in Q3 2026 after $6.8M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $6.6M |
| Interest expense on deposits | $6.6M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Securities |
|---|---|---|---|---|
| Q4 2023 | 3.60% | 3.08% | 0.75% | 2.63% |
| Q1 2024 | 3.65% | 2.95% | 0.91% | 2.79% |
| Q2 2024 | 3.79% | 3.05% | 1.00% | 2.96% |
| Q3 2024 | 3.50% | 3.12% | 0.66% | 2.97% |
| Q4 2024 | 3.71% | 3.09% | 0.87% | 3.08% |
| Q1 2025 | 3.70% | 2.63% | 1.28% | 3.19% |
| Q2 2025 | 3.83% | 2.73% | 1.32% | 3.30% |
| Q3 2025 | 3.66% | 2.72% | 1.18% | 3.32% |
| Q4 2025 | 3.94% | 2.69% | 1.47% | 3.45% |
| Q1 2026 | 3.93% | 2.25% | 1.88% | 3.64% |
| Q2 2026 | 4.03% | 2.22% | 2.01% | 3.76% |
| Q3 2026 | 3.71% | 2.28% | 1.65% | 3.60% |
Greene Commercial Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)