Peer Analysis

Performance Ratios (%) GCBC Peer Median Peer Average
ROAA 1.32 0.79 0.86
ROAE 15.77 8.42 8.58
Net Interest Margin 3.53 3.58 3.51
Efficiency Ratio 50.08 59.00 56.74
Loans / Deposits 65.59 101.09 100.71
Asset Quality Ratios (%)
NPAs / Assets 0.45 1.14 1.14
NCOs / Avg Loans 0.09 0.08 0.08
Reserves / Loans 1.68 1.06 1.02
Reserves / NPAs 218.83 78.43 117.59
Capital Ratios (%)
Tier 1 Capital NA 11.48 12.69
Tangible Equity / Tangible Assets 7.89 8.48 9.07
Total Equity / Total Assets 7.89 9.47 9.90
Market Ratios
Price / Earnings (x) 18.23 19.47 21.21
Price / Book (%) 270.06 162.24 167.49
Dividend Yield (%) 1.33 2.01 1.86
Data for trailing four quarters

Greene County Bancorp Inc.'s peer group consists of the following: Bankwell Financial Group, Inc. (BWFG), BSB Bancorp, Inc. (BLMT), Chemung Financial Corporation (CHMG), Codorus Valley Bancorp, Inc. (CVLY), DNB Financial Corporation (DNBF), Evans Bancorp, Inc. (EVBN), Hingham Institution for Savings (HIFS), National Bankshares, Inc. (NKSH), Old Line Bancshares, Inc. (OLBK), 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.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018
Copyright © 1998,2018 The Bank of Greene County. All rights reserved.