Greene County Bancorp
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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.
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Investor presentation summary22 Jun, 2026

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%.

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Q4 202623 Jul, 2026
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