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Greene County Bancorp (GCBC) investor relations material
Greene County Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jul, 2025
Executive summary
Achieved record net income of $31.1 million for the fiscal year ended June 30, 2025, up 25.7% year-over-year; quarterly net income was $9.3 million, up 38.6% from the prior year quarter.
Total assets reached a record $3.0 billion, with net loans at $1.6 billion and deposits at $2.6 billion as of June 30, 2025.
Announced expansion into Saratoga County, increasing the branch network to six counties in New York.
Recognized as the fastest growing large company and top commercial mortgage lender in New York's Capital Region.
Financial highlights
Net interest income rose to $60.1 million for the year, up $9.1 million from the prior year; quarterly net interest income was $16.7 million, up $3.8 million year-over-year.
Pre-provision net income was $32.5 million for the year, up 27.1% year-over-year.
Noninterest income increased 9.5% to $15.2 million for the year, aided by a $610,000 Employee Retention Tax Credit and higher fee income.
Noninterest expense rose 5.6% to $39.4 million, mainly due to higher salaries, data processing fees, and credit loss allowances.
Provision for credit losses was $1.3 million for the year, reflecting loan growth and economic forecast adjustments.
Outlook and guidance
Management will continue to monitor Federal Reserve actions and adjust deposit rates accordingly, focusing on maintaining customer relationships and competitive offerings.
Expansion into Saratoga County is expected to further strengthen the company's regional presence.
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Next Greene County Bancorp earnings date
Q1 202621 Oct, 2025
Next Greene County Bancorp earnings date
Q1 202621 Oct, 2025
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Frequently asked questions
Greene County Bancorp, Inc. is a bank holding company based in Catskill, New York. It operates primarily through its subsidiaries, The Bank of Greene County and Greene County Commercial Bank. The company provides a range of financial services, including retail, commercial, municipal, and investment management services. Their offerings include various deposit products like savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Additionally, Greene County Bancorp offers a broad spectrum of loans, including residential, commercial real estate, multifamily, consumer, and commercial loans, serving customers within the Hudson Valley region of New York. The company is headquartered in Catskill, New York, and its shares are listed on the NASDAQ.
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