GREENE COUNTY BANCORP INC

For the period ended Mar 31, 2026. Filed May 8, 2026.

About this filing

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.

Mar 31, 2026 · Filed May 8, 2026

GCBC$35.82-1.6%Stored close · as of Nov 10, 2026

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* Consolidated Statements of Income

For the Three and Nine Months Ended March 31, 2026 and 2025

(In thousands, except share and per share amounts)

	For the three months endedMarch 31,		For the nine months endedMarch 31,
	2026	2025	2026	2025
Interest income:
Loans	$22,100	$20,185	$66,486	$58,908
Investment securities - tax exempt	5,543	5,053	16,231	14,464
Investment securities - taxable	4,578	3,810	13,240	10,777
Interest-bearing deposits and federal funds sold	357	731	1,741	2,817
Total interest income	32,578	29,779	97,698	86,966
Interest expense:
Interest on deposits	11,975	12,999	39,263	41,543
Interest on borrowings	417	569	1,670	2,008
Total interest expense	12,392	13,568	40,933	43,551
Net interest income	20,186	16,211	56,765	43,415
Provision for credit losses	451	1,084	1,907	2,196
Net interest income after provision for credit losses	19,735	15,127	54,858	41,219
Noninterest income:
Service charges on deposit accounts	1,185	1,191	3,789	3,690
Debit card fees	1,178	1,146	3,381	3,310
Investment services	298	297	846	797
E-commerce fees	34	16	90	87
Bank-owned life insurance	708	625	2,034	1,910
Loss on sale of securities available-for-sale	-	(665)	(576)	(665)
Other operating income	296	1,246	1,277	2,339
Total noninterest income	3,699	3,856	10,841	11,468
Noninterest expense:
Salaries and employee benefits	6,783	6,195	19,162	17,726
Occupancy expense	823	729	2,132	1,980
Equipment and furniture expense	173	226	592	569
Service and data processing fees	833	667	2,401	2,207
Computer software, supplies and support	543	427	1,541	1,186
Advertising and promotion	111	136	358	340
FDIC insurance premiums	373	353	1,110	1,022
Legal and professional fees	280	394	1,165	1,003
Other	1,356	915	3,334	2,945
Total noninterest expense	11,275	10,042	31,795	28,978
Income before provision for income taxes	12,159	8,941	33,904	23,709
Provision for income taxes	1,637	887	4,220	1,904
Net income	$10,522	$8,054	29,684	$21,805
Basic and diluted earnings per share	$0.62	$0.47	1.74	$1.28
Basic and diluted average shares outstanding	17,026,828	17,026,828	17,026,828	17,026,828

Index

Index

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.