{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-043870","form_type":"8-K","ticker":"GCBC","cik":"0001070524","company_name":"GREENE COUNTY BANCORP INC","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.578640+00:00","generated_at":"2026-05-30T11:26:04.548327+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"GCBC Q1 net income $6.3M ($0.37 EPS), down 3.2% YoY; record assets $2.9B","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-043870","json":"https://secwatch.observer/filing/0001140361-24-043870.json","markdown":"https://secwatch.observer/filing/0001140361-24-043870.md","text":"https://secwatch.observer/filing/0001140361-24-043870.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070524/000114036124043870/0001140361-24-043870-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070524/000114036124043870/ef20037543_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:26:04.548327+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"}