Greene County Bancorp (GCBC) investor relations material

Executive summary

• Achieved record net income of $41.0 million for fiscal year ended June 30, 2026, up 31.7% year-over-year, and record quarterly net income of $11.3 million.

• Total assets reached $3.2 billion, net loans $1.7 billion, and deposits $2.7 billion, all at record highs as of June 30, 2026.

• Recognized as a top-performing bank nationally for profitability, asset quality, and capital strength.

Financial highlights

• Net interest income rose to $77.9 million for the year, up $17.8 million from prior year; quarterly net interest income was $21.1 million.

• Net interest margin increased to 2.65% for the year (up 46 bps), and 2.86% for the quarter (up 49 bps) year-over-year.

• Return on average assets was 1.35% and return on average equity was 15.91% for the year.

• Noninterest income for the year was $14.7 million, down 3.7% due to lower swap fee income and absence of prior year tax credit.

• Noninterest expense increased 11.0% to $43.7 million, driven by higher salaries, pension settlement, and charitable contributions.

Outlook and guidance

• Management remains focused on disciplined growth, strong balance sheet, and long-term value creation amid economic and geopolitical uncertainties.