{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-033828","form_type":"8-K","ticker":"GCBC","cik":"0001070524","company_name":"GREENE COUNTY BANCORP INC","filed_at":"2024-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.092259+00:00","generated_at":"2026-05-31T17:47:47.677596+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":"Greene County Bancorp FY24 net income down 19.5% to $24.8M; NIM compresses 47 bps","bullets":["Net income for FY2024 $24.8M ($1.45 EPS) down 19.5% from $30.8M ($1.81 EPS) in FY2023.","Net interest margin fell 47 bps to 1.98% due to deposit cost increases outpacing asset repricing.","Total assets hit record $2.8B; net loans grew 6.7% to $1.5B.","Deposits decreased 2.0% to $2.39B; borrowings rose to $199.1M from $49.5M.","Selected for KBW Bank Honor Roll for 13th consecutive year; effective tax rate fell to 7.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-033828","json":"https://secwatch.observer/filing/0001140361-24-033828.json","markdown":"https://secwatch.observer/filing/0001140361-24-033828.md","text":"https://secwatch.observer/filing/0001140361-24-033828.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070524/000114036124033828/0001140361-24-033828-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070524/000114036124033828/ef20032880_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:47:47.677596+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}