A bank's profitability has an effect on its long-term survivability. Earnings can be retained by the bank, increasing its capital cushion, or be used to deal with problematic loans, potentially making the bank better able to withstand economic shocks. Conversely, losses reduce a bank's ability to do those things.
Green Bank, National Association scored 20 out of a possible 30 on Bankrate's earnings test, above the national average of 16.52.
One key way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. The most recent annualized quarterly return on equity for Green Bank, National Association was 12.56 percent, above the national average of 9.28 percent.
The bank earned net income of $27.6 million on total equity of $463.1 million for the twelve months ended June 30, 2017. The bank reported an annualized return on average assets, or ROA, of 1.36 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.