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Greene County Bancorp (GCBC) investor relations material
Greene County Bancorp Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Company overview and history
Founded in 1889, the institution has over 137 years of continuous operation and deep community roots.
Publicly listed on Nasdaq since 1999, celebrating 25 years as a public company in 2024.
Recognized as the #1 commercial mortgage lender in the Capital Region and one of the fastest-growing companies over $100 million.
Expanded branch network to 19 locations, with recent openings in Albany and Saratoga counties.
Strong charitable presence, granting over $556,000 to 491 organizations in 2025.
Financial performance and growth
Total assets reached $3.2 billion as of March 31, 2026, up 4.6% from June 2025.
Net income for the most recent quarter was $10.5 million, with ROAA at 1.37% and ROAE at 16.02%.
Tangible common equity to tangible assets ratio improved to 8.41%.
Loans to deposits ratio stands at 63.0%, with gross loans totaling $1.75 billion.
Achieved record net income in 16 of the last 17 fiscal years.
Profitability and efficiency
Net interest margin (FTE) increased to 3.03% in the most recent quarter.
Efficiency ratio improved to 47.2%, reflecting operational efficiency.
Noninterest income decreased by 4.1% year-over-year, while noninterest expense rose by 12.3%.
Cost of funds rose to 2.16%, and cost of deposits to 2.19%.
- Record earnings, asset growth, and strong capital despite a pension plan charge.GCBC
Q3 20268 May 2026 - Record earnings, loan growth, and margin expansion drove new highs in assets and equity.GCBC
Q2 20266 Feb 2026 - Annual meeting to vote on directors, auditor, executive pay, and governance matters.GCBC
Proxy Filing2 Dec 2025 - Votes will be cast on director elections, auditor ratification, and executive pay at the November 2024 meeting.GCBC
Proxy Filing2 Dec 2025 - Proxy covers director elections, auditor ratification, and executive pay, with majority control by MHC.GCBC
Proxy Filing2 Dec 2025 - Director elections, auditor ratification, and annual say-on-pay vote recommended.GCBC
Proxy Filing2 Dec 2025 - Net income rose 41.7% to $8.9M, with record assets and expansion into Saratoga County.GCBC
Q1 202611 Nov 2025 - Record net income, asset growth, and regional expansion underscore strong performance.GCBC
Q4 202523 Jul 2025 - Net income fell 3.2% as record assets and deposits were offset by margin compression.GCBC
Q1 202513 Jun 2025
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