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Greene County Bancorp (GCBC) investor relations material
Greene County Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved record net income of $10.3 million for the quarter and $19.2 million for the six months ended December 31, 2025, marking the highest quarterly earnings in the company's 137-year history.
Opened first Saratoga County office, expanding into a high-growth market.
Recognized as a top-performing bank in Piper Sandler's 2025 Small-Cap All Stars, ranking 9th out of 24.
Financial highlights
Net income for the six months rose 39.3% year-over-year to $19.2 million; EPS increased to $1.13 from $0.81.
Total assets reached a record $3.1 billion at December 31, 2025.
Net loans grew to $1.7 billion, up $58.6 million or 3.6% since June 30, 2025.
Net interest income for the six months increased $9.4 million to $36.6 million year-over-year.
Pre-provision net income for the six months was $20.6 million, up 38.7% year-over-year.
Return on average assets was 1.27% and return on average equity was 15.45% for the six months.
Outlook and guidance
Management will continue to monitor Federal Reserve actions and adjust deposit rates accordingly.
Strategic focus remains on disciplined capital deployment and expansion into growth markets.
Next Greene County Bancorp earnings date
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