---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-25-001581"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T18:20:14.463406+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Greene County Bancorp Q2 net income $7.5M, up 31% YoY; record assets $2.97B

## Summary
- Net income $7.5M ($0.44 per share) for Dec 31, 2024 quarter vs $5.7M ($0.34) a year ago; six-month net income $13.8M.
- Total assets $2.97B (record), net loans $1.53B (record), deposits $2.47B at Dec 31, 2024.
- Net interest margin improved to 2.04% for quarter from 1.94% a year ago; net interest income up $1.7M to $14.1M.
- Provision for credit losses on loans $505K for quarter vs $183K prior; allowance 1.30% of loans.
- Noninterest income up 11.4% to $3.9M; noninterest expense up 0.6% to $9.4M.

## SEC filing metadata
- accession: 0001140361-25-001581
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2025-01-22T23:59:59+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/1070524/000114036125001581/0001140361-25-001581-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036125001581/ef20041976_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-001581
- JSON: https://secwatch.observer/filing/0001140361-25-001581.json
- Plain text: https://secwatch.observer/filing/0001140361-25-001581.txt

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