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Overview / Commentary
518-943-2600
425 Main Street
Catskill, NY 12414

Greene County Commercial Bank is headquartered in Catskill and is the 113st largest bank in the state of New York. It is also the 2,898th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to at 1 location. Greene County Commercial Bank's savings rates are 8X the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Greene County Commercial Bank had $0 in non-current loans and owned real-estate with $16.3 million in equity and loan loss allowances on hand to cover it. This gives Greene County Commercial Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, Greene County Commercial Bank has increased its total deposits by $10.35 million, resulting in 5.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Greene County Commercial Bank has shown is excellent.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Greene County Commercial Bank has $213.92 million in assets with $16.3 million in equity, resulting in a capitalization level of 7.62%, which is below average.

Institution Statistics

Overall
FDIC Certificate #57710
Year Established2004
Employees0
Primary RegulatorFDIC
Assets and Liabilities
Assets$213.92 million
Loans$0
Deposits$197.60 million
Equity Capital$16.30 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - March 2013
Assets$203.54 million
Equity Capital$15.71 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.77%
Return on Assets0.98%
Return on Equity12.26%
Interest Income$992,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Greene County Commercial Bank, we are a rate comparison website and can not provide official rates or promotions.

Greene County Commercial Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
4.00%-$1ke-Savings Account
4.00%-$101Student e-Next Generation Savings
0.50%--Risk Free IRA Savings Account
0.40%--e-Holiday Savings Club
0.30%$25k-More Yield Passbook Savings Account
0.30%$25k-More Yield Statement Savings Account
0.25%--Holiday Club Statement Savings Account
0.25%--Holiday Club Passbook Savings Account
0.20%--Statement Savings Account
0.20%--Passbook Savings Account
0.20%--Student Savings - Passbook

Greene County Commercial Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$25k-Money Market Account
0.35%$50k-Business Money Market Account

Greene County Commercial Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
4.00%-$1kFree e-Checking Account
0.35%$50k-Premiere Checking Account
0.25%$500k-Business One Checking Account
0.10%--Nifty Fifty Club Greene Plus Checking Account
0.05%--NOW Greene Plus Checking Account

Greene County Commercial Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-5 Year 5-Star CD
0.85%$1k-3 Year Triple Protection CD
0.60%$1k-20 Month Relationship CD-with Active Checking Account
0.50%$1k-4 Year CD
0.45%$1k-3 Year CD
0.35%$1k-2 1/2 Year CD
0.30%$1k-6 Month Relationship CD - With Active Checking Account
0.30%$1k-20 Month CD
0.25%$1k-1 Year CD
0.25%$1k-18 Month CD
0.25%$1k-2 Year CD
0.10%$1k-6 Month CD
0.05%$1k-5 Month CD
0.05%$1k-7 Month CD
0.05%$1k-8 Month CD
0.05%$1k-9 Month CD
0.05%$1k-15 Month CD

Greene County Commercial Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.60%$1k-20 Month Relationship IRA-with Active Checking Account
0.50%$1k-4 Year IRA
0.45%$1k-3 Year IRA
0.35%$1k-2 1/2 Year IRA
0.30%$1k-6 Month Relationship IRA- With Active Checking Account
0.30%$1k-20 Month IRA
0.25%$1k-1 Year IRA
0.25%$1k-18 Month IRA
0.25%$1k-2 Year IRA
0.10%$1k-6 Month IRA
0.05%$1k-5 Month IRA
0.05%$1k-7 Month IRA
0.05%$1k-8 Month IRA
0.05%$1k-9 Month IRA
0.05%$1k-15 Month IRA
Locations


Greene County Commercial Bank Locations
Greene County Commercial Bank425 Main StreetCatskill, NY 12414