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Greene County Bancorp Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary21 Oct, 2025
Executive summary
Net income for the quarter ended September 30, 2025, was $8.9 million, up 41.7% year-over-year, with EPS of $0.52 per share compared to $0.37 last year, driven by higher net interest income and loan growth.
Total assets reached a record $3.1 billion, a 0.6% increase from June 30, 2025, with net loans receivable up 2.6% to $1.65 billion and total deposits at $2.7 billion.
Shareholders' equity rose to $248.2 million, reflecting strong earnings and a reduction in accumulated other comprehensive loss.
Finalized expansion into Saratoga County, with a new Clifton Park office opening in October 2025.
Financial highlights
Net interest income increased to $17.5 million from $13.1 million year-over-year, with net interest margin rising to 2.48% from 2.03%.
Pre-provision net income rose 46.9% to $10.1 million from $6.9 million year-over-year.
Provision for credit losses was $1.3 million, up from $634,000, mainly due to loan growth and higher reserves for commercial real estate.
Noninterest income grew 6.7% to $4.0 million, mainly from customer interest rate swap contracts and service fees, while noninterest expense rose 5.4% to $10.1 million, primarily from higher salaries, benefits, and charitable contributions.
Efficiency ratio improved to 46.78% from 56.60%.
Outlook and guidance
Management expects continued loan and deposit growth, with a focus on conservative underwriting, liquidity management, and prudent expansion into Saratoga County.
The company anticipates sufficient liquidity and capital to meet future commitments, supported by strong on-balance sheet and off-balance sheet resources.
Management will continue to monitor Federal Reserve actions and adjust deposit rates accordingly, focusing on prudent growth and customer relationship expansion.
Analyze uninsured deposit coverage ratio change.
What factors most influenced the NIM expansion?
Assess CRE loan portfolio risk profile changes.
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Next Greene County Bancorp earnings date
Q2 202622 Jan, 2026
Next Greene County Bancorp earnings date
Q2 202622 Jan, 2026
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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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