Compliance with Regulatory Capital Requirements under Banking Regulations |
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(Dollars in thousands)
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Actual
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For capital
adequacy purposes
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To be well
capitalized under
prompt corrective
action provisions
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Capital conservation
buffer
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The Bank of Greene County
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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Actual
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Required
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As of June 30, 2025:
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Total risk-based capital
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$ | 293,952 | | |
| 16.6 | % | |
$ | 141,305 | | |
| 8.0 | % | |
$ | 176,632 | | |
| 10.0 | % | |
| 8.64 | % | |
| 2.50 | % |
Tier 1 risk-based capital
|
| 271,869 | | |
| 15.4 | | |
| 105,979 | | |
| 6.0 | | |
| 141,305 | | |
| 8.0 | | |
| 9.39 | | |
| 2.50 | |
Common equity tier 1 capital
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| 271,869 | | |
| 15.4 | | |
| 79,484 | | |
| 4.5 | | |
| 114,811 | | |
| 6.5 | | |
| 10.89 | | |
| 2.50 | |
Tier 1 leverage ratio
|
| 271,869 | | |
| 9.2 | | |
| 117,646 | | |
| 4.0 | | |
| 147,057 | | |
| 5.0 | | |
| 5.24 | | |
| 2.50 | |
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As of June 30, 2024:
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Total risk-based capital
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$ | 273,460 | | |
| 17.1 | % | |
$ | 127,873 | | |
| 8.0 | % | |
$ | 159,841 | | |
| 10.0 | % | |
| 9.11 | % | |
| 2.50 | % |
Tier 1 risk-based capital
|
| 253,468 | | |
| 15.9 | | |
| 95,905 | | |
| 6.0 | | |
| 127,873 | | |
| 8.0 | | |
| 9.86 | | |
| 2.50 | |
Common equity tier 1 capital
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| 253,468 | | |
| 15.9 | | |
| 71,929 | | |
| 4.5 | | |
| 103,897 | | |
| 6.5 | | |
| 11.36 | | |
| 2.50 | |
Tier 1 leverage ratio
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| 253,468 | | |
| 9.3 | | |
| 109,102 | | |
| 4.0 | | |
| 136,378 | | |
| 5.0 | | |
| 5.29 | | |
| 2.50 | |
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Greene County Commercial Bank
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As of June 30, 2025:
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Total risk-based capital
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$ | 122,243 | | |
| 46.9 | % | |
$ | 20,871 | | |
| 8.0 | % | |
$ | 26,089 | | |
| 10.0 | % | |
| 38.86 | % | |
| 2.50 | % |
Tier 1 risk-based capital
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| 122,243 | | |
| 46.9 | | |
| 15,654 | | |
| 6.0 | | |
| 20,871 | | |
| 8.0 | | |
| 40.86 | | |
| 2.50 | |
Common equity tier 1 capital
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| 122,243 | | |
| 46.9 | | |
| 11,740 | | |
| 4.5 | | |
| 16,958 | | |
| 6.5 | | |
| 42.36 | | |
| 2.50 | |
Tier 1 leverage ratio
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| 122,243 | | |
| 9.1 | | |
| 53,543 | | |
| 4.0 | | |
| 66,929 | | |
| 5.0 | | |
| 5.13 | | |
| 2.50 | |
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As of June 30, 2024:
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Total risk-based capital
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$ | 110,319 | | |
| 49.5 | % | |
$ | 17,830 | | |
| 8.0 | % | |
$ | 22,288 | | |
| 10.0 | % | |
| 41.50 | % | |
| 2.50 | % |
Tier 1 risk-based capital
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| 110,319 | | |
| 49.5 | | |
| 13,373 | | |
| 6.0 | | |
| 17,830 | | |
| 8.0 | | |
| 43.50 | | |
| 2.50 | |
Common equity tier 1 capital
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| 110,319 | | |
| 49.5 | | |
| 10,029 | | |
| 4.5 | | |
| 14,487 | | |
| 6.5 | | |
| 45.00 | | |
| 2.50 | |
Tier 1 leverage ratio
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| 110,319 | | |
| 9.1 | | |
| 48,385 | | |
| 4.0 | | |
| 60,481 | | |
| 5.0 | | |
| 5.12 | | |
| 2.50 | |
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