---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-23-019375"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2023-04-20T23:59:59+00:00"
generated_at: "2026-06-16T22:08:56.029532+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Greene County Bancorp Q3 net income $8.1M; nine-month record $24.3M, up 15% YoY

## Summary
- Net income $8.1M ($0.48/sh) for Q3; $24.3M ($1.43/sh) for nine months, both up ~15% YoY.
- Net interest income rose to $15.2M (Q3) and $47.0M (nine months), up $1.1M and $4.1M YoY.
- Total assets $2.7B (+6.1% vs June 2022); net loans $1.4B (+12.9%); deposits $2.5B (+11.7%).
- Credit quality improved: nonperforming loans $4.7M (0.34% of loans) vs $6.3M; provision benefit of $1.2M.
- ROAA 1.26% and ROAE 19.51% for nine months; capital remains strong.

## SEC filing metadata
- accession: 0001140361-23-019375
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2023-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070524/000114036123019375/0001140361-23-019375-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036123019375/brhc20051690_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-23-019375
- JSON: https://secwatch.observer/filing/0001140361-23-019375.json
- Plain text: https://secwatch.observer/filing/0001140361-23-019375.txt

## Key facts
- Earnings Releases
  GREENE COUNTY BANCORP INC reported the nine months ended March 31, 2023 results: net income $24.3 million, EPS $1.43 per basic and diluted share.
  - Period: the nine months ended March 31, 2023
  - Net income: $24.3 million
  - EPS: $1.43 per basic and diluted share
  - Result: reported results
  source text: Net income for the three and nine months ended March 31, 2023 was $8.1 million, or $0.48 per basic and diluted share, and $24.3 million, or $1.43 per basic and diluted share, respectively
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070524/000114036123019375/0001140361-23-019375-index.htm
- Earnings Releases
  GREENE COUNTY BANCORP INC reported the three months ended March 31, 2023 results: net income $8.1 million, EPS $0.48 per basic and diluted share.
  - Period: the three months ended March 31, 2023
  - Net income: $8.1 million
  - EPS: $0.48 per basic and diluted share
  - Result: reported results
  source text: Net income for the three and nine months ended March 31, 2023 was $8.1 million, or $0.48 per basic and diluted share, and $24.3 million, or $1.43 per basic and diluted share, respectively
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070524/000114036123019375/0001140361-23-019375-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.