Peer Analysis

Performance Ratios (%) GCBC Peer Median Peer Average
ROAA 1.30 0.72 0.71
ROAE 15.37 7.28 7.29
Net Interest Margin 3.57 3.28 3.24
Efficiency Ratio 50.08 65.27 64.46
Loans / Deposits 73.33 100.41 99.24
Asset Quality Ratios (%)
NPAs / Assets 0.58 0.85 1.33
NCOs / Avg Loans 0.09 0.10 0.24
Reserves / Loans 1.68 0.85 0.91
Reserves / NPAs 185.37 56.11 95.98
Capital Ratios (%)
Tier 1 Capital NA 11.81 13.10
Tangible Equity / Tangible Assets 8.44 8.37 8.65
Total Equity / Total Assets 8.44 9.56 9.92
Market Ratios
Price / Earnings (x) 22.63 18.68 19.98
Price / Book (%) 326.69 145.29 156.62
Dividend Yield (%) 1.13 2.74 2.72
Data for trailing four quarters

Greene County Bancorp Inc.'s peer group consists of the following: Beacon Federal Bancorp, Inc. (BFED), Bridge Bancorp, Inc. (BDGE), Cape Bancorp, Inc. (CBNJ), DNB Financial Corporation (DNBF), Elmira Savings Bank (ESBK), Evans Bancorp, Inc. (EVBN), Harleysville Financial Corporation (HARL), Hingham Institution for Savings (HIFS), Lake Sunapee Bank Group (LSBG), Ocean Shore Holding Co. (OSHC), Oneida Financial Corp. (ONFC), Penns Woods Bancorp, Inc. (PWOD)

Greene County Bancorp Inc.'s financial data is as of 12/31/2017.

Peer financial data is as of 12/31/2017 except for these companies:

Lake Sunapee Bank Group's financial data is as of 9/30/2016.
Oneida Financial Corp.'s financial data is as of 9/30/2015.
Ocean Shore Holding Co.'s financial data is as of 9/30/2016.
Beacon Federal Bancorp, Inc.'s financial data is as of 6/30/2012.
Cape Bancorp, Inc.'s financial data is as of 3/31/2016.
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