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Greene County Bancorp
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.Q2 2026 earnings summary21 Jan, 2026
Executive summary
Net income for the quarter ended December 31, 2025, was $10.3 million, up from $7.5 million year-over-year, and $19.2 million for the six months, up from $13.8 million, marking the highest quarterly earnings in the company's 137-year history.
Total assets grew to a record $3.1 billion, a 3.5% increase from June 30, 2025.
Shareholders' equity rose to $258.3 million, driven by net income and reduced accumulated other comprehensive loss.
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 interest income for the quarter was $19.1 million, up $5.0 million year-over-year; for six months, $36.6 million, up $9.4 million.
Net interest margin increased to 2.54% for the quarter and 2.51% for six months, up 50 and 47 basis points, respectively.
Provision for credit losses was $199,000 for the quarter and $1.5 million for six months, reflecting loan growth.
Noninterest income decreased 18.6% for the quarter, mainly due to a $576,000 loss on securities sales.
Noninterest expense rose 11.4% for the quarter, led by higher salaries, legal fees, and pension costs.
Outlook and guidance
Management anticipates sufficient liquidity and capital to meet commitments, with $124.1 million in cash and $379.0 million in unused credit lines.
The company continues to monitor interest rate risk and asset quality, with strategies to manage deposit flows and maintain strong capital ratios.
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.
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Next Greene County Bancorp earnings date
Q3 202620 Apr, 2026
Greene County Bancorp
Next Greene County Bancorp earnings date
Q3 202620 Apr, 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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