GREENE COUNTY BANCORP INC
For the period ended Dec 31, 2025. Filed Feb 6, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Dec 31, 2025 · Filed Feb 6, 2026
GCBC$35.82-1.6%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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* Consolidated Statements of Cash Flows
For the Six Months Ended December 31, 2025 and 2024
| 2025 | 2024 | |
|---|---|---|
| Cash flows from operating activities: | ||
| Net income | $19,162 | $13,751 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation | 558 | 524 |
| Deferred income tax benefit | (2,973) | (2,031) |
| Net accretion of investment premiums and discounts | (986) | (329) |
| Net amortization of deferred loan costs and fees | 204 | 191 |
| Amortization of subordinated debt issuance costs | 62 | 93 |
| Provision for credit losses | 1,456 | 1,112 |
| Bank-owned life insurance income | (1,326) | (1,285) |
| Net loss on sale of securities available-for-sale | 576 | - |
| Net loss (gain) on equity securities | 4 | (43) |
| Net decrease in accrued income taxes | (141) | (140) |
| Net increase in accrued interest receivable | (1,604) | (2,354) |
| Net (increase) decrease in prepaid expenses and other assets | (823) | 186 |
| Net decrease in accrued expenses and other liabilities | (791) | (2,215) |
| Net cash provided by operating activities | 13,378 | 7,460 |
| Cash flows from investing activities: | ||
| Securities available-for-sale: | ||
| Proceeds from maturities | 132,688 | 88,417 |
| Proceeds from sale of securities | 8,299 | - |
| Purchases of securities | (376,344) | (164,699) |
| Proceeds from principal payments on securities | 182,924 | 54,751 |
| Securities held-to-maturity: | ||
| Proceeds from maturities | 29,032 | 19,598 |
| Purchases of securities | (83,250) | (109,516) |
| Proceeds from principal payments on securities | 20,302 | 9,235 |
| Net purchase of Federal Home Loan Bank Stock | (4,720) | (3,373) |
| Maturity of long-term certificates of deposit | 200 | 250 |
| Purchase of bank owned life insurance | (6,345) | - |
| Net increase in loans receivable | (60,182) | (52,327) |
| Purchases of premises and equipment | (611) | (334) |
| Net cash used in investing activities | (158,007) | (157,998) |
| Cash flows from financing activities: | ||
| Net increase in short-term borrowings | 106,000 | 78,800 |
| Repayment of long-term borrowings | - | (27,180) |
| Repayment of subordinated notes payable | (20,000) | - |
| Payment of cash dividends | (1,566) | (3,070) |
| Net increase in deposits | 1,205 | 78,036 |
| Net cash provided by financing activities | 85,639 | 126,586 |
| Net decrease in cash and cash equivalents | (58,990) | (23,952) |
| Cash and cash equivalents at beginning of period | 183,078 | 190,395 |
| Cash and cash equivalents at end of period | $124,088 | $166,443 |
| Cash paid during period for: | ||
| Interest | $28,645 | $30,399 |
| Income taxes | $1,613 | $664 |
Index
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