Peer Analysis

Performance Ratios (%) GCBC Peer Median Peer Average
ROAA 1.12 0.75 0.74
ROAE 12.84 7.73 7.85
Net Interest Margin 3.60 3.17 3.19
Efficiency Ratio 53.98 65.17 65.33
Loans / Deposits 72.34 98.72 96.03
Asset Quality Ratios (%)
NPAs / Assets 0.61 0.92 1.18
NCOs / Avg Loans 0.07 0.07 0.20
Reserves / Loans 1.79 0.90 0.97
Reserves / NPAs 183.52 74.92 140.59
Capital Ratios (%)
Tier 1 Capital NA 12.12 12.88
Tangible Equity / Tangible Assets 8.56 8.44 8.53
Total Equity / Total Assets 8.56 9.64 9.73
Market Ratios
Price / Earnings (x) 20.86 18.52 18.18
Price / Book (%) 254.91 149.16 158.97
Dividend Yield (%) 1.66 2.52 2.64
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 Savings 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 9/30/2016.

Peer financial data is as of 9/30/2016 except for these companies:

Oneida Financial Corp.'s financial data is as of 9/30/2015.
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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