Peer Analysis

Performance Ratios (%) GCBC Peer Median Peer Average
ROAA 1.42 1.09 1.17
ROAE 16.48 10.35 11.41
Net Interest Margin 3.43 3.38 3.37
Efficiency Ratio 50.19 57.68 55.41
Loans / Deposits 69.50 102.38 100.76
Asset Quality Ratios (%)
NPAs / Assets 0.33 0.43 0.47
NCOs / Avg Loans 0.11 0.06 0.07
Reserves / Loans 1.62 0.90 0.98
Reserves / NPAs 295.71 87.80 142.72
Capital Ratios (%)
Tier 1 Capital 14.20 12.82 13.81
Tangible Equity / Tangible Assets 8.35 9.55 9.59
Total Equity / Total Assets 8.35 10.19 10.55
Market Ratios
Price / Earnings (x) 13.06 11.33 11.40
Price / Book (%) 200.69 117.44 122.31
Dividend Yield (%) 1.55 2.83 2.50
Data for trailing four quarters

Greene County Bancorp, Inc. (MHC)'s peer group consists of the following: Bankwell Financial Group, Inc. (BWFG), BSB Bancorp, Inc., Chemung Financial Corporation (CHMG), Codorus Valley Bancorp, Inc. (CVLY), DNB Financial Corporation, Evans Bancorp, Inc. (EVBN), Hingham Institution for Savings (HIFS), National Bankshares, Inc. (NKSH), Old Line Bancshares, Inc., Parke Bancorp, Inc. (PKBK), Penns Woods Bancorp, Inc. (PWOD), Premier Financial Bancorp, Inc. (PFBI), Salisbury Bancorp, Inc. (SAL), SB One Bancorp (SBBX)

Greene County Bancorp, Inc. (MHC)'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

DNB Financial Corporation's financial data is as of 9/30/2019.
Old Line Bancshares, Inc.'s financial data is as of 9/30/2019.
BSB Bancorp, Inc.'s financial data is as of 12/31/2018.