{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-049286","form_type":"8-K","ticker":"GCBC","cik":"0001070524","company_name":"GREENE COUNTY BANCORP INC","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.123765+00:00","generated_at":"2026-06-09T13:18:17.359836+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Q1 net income falls 28.4% to $6.5M; net interest margin narrows 46 bps","bullets":["Net income $6.5M ($0.38 EPS) vs $9.0M ($0.53 EPS) prior year, down 28.4%.","Net loans reached record $1.43B, up 2.9% from June 30; total assets $2.7B.","Net interest margin compressed to 2.12% from 2.58% YoY due to rising deposit costs.","CECL adoption day-one reduced retained earnings by $510k; provision for credit losses $457k.","Named to Piper Sandler Sm-All Stars Class of 2023 for seventh consecutive year."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-049286","json":"https://secwatch.observer/filing/0001140361-23-049286.json","markdown":"https://secwatch.observer/filing/0001140361-23-049286.md","text":"https://secwatch.observer/filing/0001140361-23-049286.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070524/000114036123049286/0001140361-23-049286-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070524/000114036123049286/ef20013079_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T13:18:17.359836+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"fddd59f8c6fa8a571420bd288ed6f3128d4683e5","claim":"GREENE COUNTY BANCORP INC reported the three months ended September 30, 2023 results: net income $6.5 million, EPS $0.38 per basic and diluted share.","evidence_excerpt":"Greene County Bancorp, Inc. Reports Net Income of $6.5 million for the Three Months Ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070524/000114036123049286/0001140361-23-049286-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"$6.5 million"},{"label":"EPS","value":"$0.38 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}