# BANK OF GREENE COUNTY
CATSKILL, NY · FDIC certificate 21591 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.18B | |
| Deposits | $2.73B | |
| Loans and leases | $1.75B | |
| Total equity | $293.0M | |
| Loans / deposits | 63.45% (p10 of band) | 87.10% |
| Liquid assets / assets | 41.60% (p91 of band) | |
| Uninsured deposits / deposits | 14.68% (p9 of band) | 30.76% |
| Brokered deposits | 1.64% | |
| Wholesale funding | 5.58% (p48 of band) | |
| FHLB advances / assets | 3.93% | |
| Tier 1 leverage | 9.88% (p34 of band) | 10.50% |
| Unrealized securities loss / equity | -14.49% (p30 of band) | -7.75% |
| AOCI / equity | 0.07% (p83 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.26% |
| Net interest margin | 2.78% (p9 of band) | 3.70% |
| Efficiency ratio | 46.81% (p16 of band) | |
| Noncurrent loans | 0.23% (p25 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 553.67% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 40.57% (p43 of band) | |
| Auto loans | $2.1M (0.12% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 216 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | securities losses >30% of equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | NIM <2.5% |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | NIM <2.5% |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-13 [Bank of Greene County Celebrated Grand Opening in Clifton Park - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdWVpRTZJYU9HdF9ISEFkN3ZITVZKRHdiNm9adDlubWJLYWtMQmNVNHNqNzA2WTcyWUlaNUFxWFlFNzZObEUyUVhPVUZoVzUyTmF5LVVyOUdhY0xPOFVvZjJ3a2UwUnRTWGNtU3BnNXp5aGFkRXkyTWZGU0pmQU13YXA1UE8zQ2JjTUg5QXQ4ZnJIRGdHNTFfU2hUMl9IZGIzUUs4?oc=5) · Capital Region Chamber of Commerce
- 2026-06-19 [Bank of Greene County gives over $500K to non-profits - Daily Freeman](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUUF3QThBLWIzUGo3aF93N00tb3I4bFlucS1oaWlVVnhCM1dYajFRSkxYMU4zMWxRVUhEV1RwNTgyYkpQYWcycGxqLU9vaGdreUZPeEJUS01LWUVSNmF2MjdBdWc0bnVHT2VyejJJVGNuVm5oVDZab05YX25FUVM4ckI1R1R3c2w3N1dpMmtiSGdxSlhBWVkwag?oc=5) · Daily Freeman
- 2026-07-23 [Greene County Bancorp, Inc. Reports Record Fiscal Year 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMi5AJBVV95cUxOcEw0RWpZRWRLRklrQURvWnZrYmtva1dUaFpxLUtRRG1ZM0pSNG9Tdlp4bXZmek5DZTdYYU9TVGFhM2ZhS1RkSVkwUURidkY0b252b3hMRFR2bjIwVnlGak0xWGtSalJZSXVuODI1RUM0emZuR1FCOEJienRsYWMxLVBlODhDNXFhcTdHWDVucXhNa3lkNjlwVjhGMkF5LS1XcmRUaUN6R2xIRURnRVBIcUZsSG5FUWg2SHRhckVWLXRLb3Z0NUdrZXBibEEzR19kdTBqSml5NEp1c0hCZ3FYQ0pXN1dWeE54bGpQSUx5WHY1blo1aTdhWnB6SWlESHBWSW0xOGd3UDZleWtsZ1FoYWJianBMVnRGdkdPNDUtbUFUei13dWR4X0E0VVdhV2NOYVFpcE1vamlWTnROd3pmblJUSDJycTNYYi1KNURYaFZaQWdhY28wVDRxZFR5bDJoV0ZhTg?oc=5) · GlobeNewswire
- 2026-07-23 [Bank of Greene County announces promotions - The Daily Gazette](https://news.google.com/rss/articles/CBMixgFBVV95cUxQZUtraVF1clNQb2c0Z1lQQV9QNjVJSzZkQ1dMV25OZDV1ck9mQXJodVV3X2d3amFhR3ZrZEdiSVpDMi1TRTBlemthc3pYbl9ZdVVuV1pobTJSbV9zaTFKSEU0MklEdm1wSkU4QkIwbVFVRjZvS3E4WUtteEdZejVfNWZHekhSbkFSWEp0Z0tXWmlRTGFYOWo5TzJLemNkcDNKYjVoSFdjWWdreW42bExfNnVOMU9ldXMwbTNJQ1V5RkpBWE9IV1E?oc=5) · The Daily Gazette
- 2026-04-15 [Greene County Bancorp, Inc. Announces Stock Repurchase Program for Up to 400,000 Shares - Quiver Quantitative](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQSzB1X1V3cTdDZDUyTXFTZkVhalFEUkVJcFNITTZlbng0Rk9WZ0VWbHlUS3h4TXg5TEhyYU8xRTBsWGhrVTdpRDNMbGlFQndtMnhrVDQzYWp1VG9qTzVhT3VYbVR1d3dwNjFVYnRsSmpQd2wzbllwTlJ0czhuc1B4WmZmOTcwX0dxUmNYcG5RTmg1VFBlem1RcjFnY0Q4M2ZzNF81elN1R0tQSHU1NmZjMThLNU9yTDY2a25CS0MyZnhkUQ?oc=5) · Quiver Quantitative
- 2026-03-24 [There Is A Lot To Like About Greene County Bancorp (NASDAQ:GCBC) - Seeking Alpha](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYmc4R2F4SEJEQVdwRlNoVWJCLUk5U2RTX1ZSejdEQUpPaXp6WWhvS2pxbUdfeTc5bzFyZDhPSXhiWEREbDhXWTRvbGwxbUdpUUpXUDQ4Vk8yQjlGU0NPb2VsZjZ2c2RMVzhaaVdxRS1jUUdIR1loaEpiMC1ack5UY1RTZWJLcnR3aWd0MEFpNkxtcV8tRmc?oc=5) · Seeking Alpha
- 2026-04-08 [Schenectady woman accused of bank fraud in Westerlo - WRGB](https://news.google.com/rss/articles/CBMijgFBVV95cUxPanZhcThjTFRBZUlDeGdvOUI2UHZ1aWtNU3hhdkZ3bkJlUDZoMV9SaWE5Y0s5SWVaZnQtdWdVX0laSEpYbUctSzhnWWIxRXc2cFQzQU04eXA5M1kxR3puNldQOXFzbUFybExza2hyNWd5eFRYSkVlSkNMRGw3ZmtDVmdQYk5XZGN6YktIQkR3?oc=5) · WRGB
- 2026-01-07 [Bank of Greene County Announces Nick Laraway Has Joined Advisory Board - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQzBQTnFoVlJEb1RGUjJ1X1UwSERNSk9ndjVPUjVFOGc0UE55eUdmMk5yQlB6UU1XbUxVV1dxQlNYY3dEOUJDQlN0LWVWQ1ZEWlZtTEJrZk5oTHJGVE15N0NNLWZMVS1xenBRdDVLQUk5REhkTjBBT3hyYjl2R0JYb3F2VUZ5cV9ON2pDUE1CeE9UUGVZZ1pVdlZoZ2FtVXYxX05rUmhIM0dDdHVnZUE?oc=5) · Capital Region Chamber of Commerce

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21591 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "21591", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide