GCBC Q1 net income $6.3M ($0.37 EPS), down 3.2% YoY; record assets $2.9B

GREENE COUNTY BANCORP INC

2025-Q1 EPS reported $0.37

Net income $6.3M vs $6.5M YoY; diluted EPS $0.37 vs $0.38; net interest income $13.1M, down $303K.
Total assets $2.9B (+1.7% QoQ), net loans $1.5B, deposits $2.5B – all record highs.
Pre-provision net income $6.9M, flat YoY; provision for loan losses $634K vs $457K.
Net interest margin compressed to 2.03% from 2.12% YoY; tax-equivalent margin 2.29%.
Noninterest income up 13.3% to $3.7M; expenses up 8.0% to $9.6M on salary and data processing costs.

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