Greene County Commercial Bank

Headquarters

425 Main Street
Catskill, NY 12414
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Greene County Commercial Bank is an FDIC insured institution located in Catskill, NY. It was founded in 2004 and has approximately $0.86 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57710
Date Established 2004
Assets $ 861.45 million
Loans N.A.
Deposits $ 797.77 million
Capital $ 63.63 million
 

For a more detailed analysis of Greene County Commercial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Greene County Commercial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.475% 3.375%
0.75 points
$3,125 fees
$1,106 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Greene County Commercial Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Greene County Commercial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Greene County Commercial Bank Locations


Financial Details

Greene County Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Greene County Commercial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Greene County Commercial Bank U.S. Bank Average
0% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Greene County Commercial Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $63,632,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Greene County Commercial Bank U.S. Bank Average
11.31% 11.43%

Greene County Commercial Bank has a Return on Equity of 11.31% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Greene County Commercial Bank U.S. Bank Average
7.39% 11.51%

Greene County Commercial Bank has a Capitalization of 7.39% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Greene County Commercial Bank Balance Sheet Analysis

As of March 31, 2021, Greene County Commercial Bank had assets of $861,454,000, loans of $0, and deposits of $797,768,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 23.27 million
Interest-bearing balances $ 20.75 million
Total securities $ 832.61 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 5.57 million
     Total Assets $ 797.82 million
LIABILITIES
Total deposits $ 797.77 million
      Interest-bearing deposits $ 793.64 million
      Deposits held in domestic offices $ 797.77 million
      % insured (estimated) 15.55%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.05 million
      Total Liabilities $ 797.82 million
      Shareholders’ Equity $ 63.63 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 3.03 million
Total Interest Expense $ 0.27 million
Net interest income $ 2.76 million
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense $ 0.51 million
Pre-tax Net Operating Income $ 2.26 million

Bank Loan Profile?

The top three loan types in Greene County Commercial Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Greene County Commercial Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Greene County Commercial Bank

Branches and Savings

Is Greene County Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57710.

Why does Greene County Commercial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Greene County Commercial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Greene County Commercial Bank a commercial bank?

Yes

Where are Greene County Commercial Bank locations?

See branch locations nearby.

Is Greene County Commercial Bank open on Saturdays?

Is Greene County Commercial Bank open on Sundays?

What time does Greene County Commercial Bank open?

What time does Greene County Commercial Bank close?

Are Greene County Commercial Bank ATMs Open 24/7?

Do Greene County Commercial Bank ATMs accept cash deposits?

Can Greene County Commercial Bank customers use other ATMs?

Do Greene County Commercial Bank branches have notaries?

Will Greene County Commercial Bank notarize my document?

What address for Greene County Commercial Bank should I put for incoming ACH transfers?

Will the Greene County Commercial Bank branch print checks?

Do Greene County Commercial Bank checks expire?

Does Greene County Commercial Bank require US citizenship to open account?

Can Greene County Commercial Bank close my account?

Does Greene County Commercial Bank Report to credit bureaus?

Does Greene County Commercial Bank Use Equifax?

What is Greene County Commercial Bank's ACH Routing Number?

What is Greene County Commercial Bank's SWIFT code?

Products

Does Greene County Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Greene County Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Greene County Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Greene County Commercial Bank offer student loans?

Will Greene County Commercial Bank cash a check?

Will Greene County Commercial Bank redeem a savings bond?

Does Greene County Commercial Bank cash savings bonds?

Will Greene County Commercial Bank cash money orders?

Can Greene County Commercial Bank issue a money order?

Does Greene County Commercial Bank do currency exchange?

Background on The Bank

Who owns Greene County Commercial Bank?

How long has Greene County Commercial Bank been around?

Can Greene County Commercial Bank transfer to other banks?

Does Greene County Commercial Bank have quick pay?

Does Greene County Commercial Bank accept rolled coins?

Will Greene County Commercial Bank accept loose change?

Where is Greene County Commercial Bank headquarters?

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