Total Assets
$3.1B
Total balance-sheet footings
FDIC Cert #21591 · Catskill, New York · Est. 1974
The Bank of Greene County - FDIC Bank Health Profile
A community-scale look at The Bank of Greene County's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.1B
- Total assets
- A
- Health grade · Excellent
- 1.27%
- Return on assets
- 15.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Greene County earns a PlainBankData health grade of A (95/100), with well-capitalized at 15.64% Tier 1, profitable at 1.27% ROA, efficient (47% cost ratio).
- #407
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 15.64%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Bank of Greene County's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Greene County's composite health score
Tier 1 Capital Ratio (15.64%) 40/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (1.08%) 20/20
Efficiency Ratio (46.89%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.7B
Customer-funded liabilities
Net Loans
$1.7B
Outstanding loan book
Net Income
$39M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Greene County ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Greene County's score of 95/100 falls in the highlighted band.
The Bank of Greene County's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of Greene County's $3.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.64%
Texas Ratio
1.08%
Equity Capital
$280M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
14.62%
Efficiency Ratio
46.89%
What the numbers say about The Bank of Greene County
The Bank of Greene County is an FDIC-insured institution (Certificate #21591) headquartered in Catskill, New York, established in 1974. It holds $3.1B in total assets - 407th of 4,313 FDIC-insured banks, $2.7B in customer deposits, and $1.7B in net loans. Capital-wise, the Tier 1 ratio sits at 15.64%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.08%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, The Bank of Greene County sits in the top decile of all FDIC-insured institutions by asset size (407th of 4,313), and within New York it ranks 34th of 120 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Industrial and Commercial Bank of Chi…, at $2.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$126M
Interest Income
$16M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Greene County reports a Texas Ratio of 1.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Greene County (FDIC Cert #21591) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is The Bank of Greene County's health grade?▼
The Bank of Greene County receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of Greene County?▼
The Bank of Greene County holds $3.1B in total assets and $2.7B in deposits, ranking 407th of 4,313 FDIC-insured banks by asset size. It is headquartered in Catskill, New York.
Is my money safe at The Bank of Greene County?▼
Yes, deposits at The Bank of Greene County (Certificate #21591) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Greene County's Tier 1 Capital Ratio?▼
The Bank of Greene County has a Tier 1 Capital Ratio of 15.64%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Bank of Greene County?▼
The Bank of Greene County has a Texas Ratio of 1.08%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Greene County?▼
The Bank of Greene County has an Efficiency Ratio of 46.89%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Greene County's profile as a depositor or analyst.
- The Bank of Greene County's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Greene County against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.