Greene County Bancorp Q3 net income $8.1M (+37% YoY); total assets surpass $3B milestone

GREENE COUNTY BANCORP INC

2025-Q3 EPS reported $1.28

Net income $8.1M for quarter ($0.47 EPS) vs $5.9M ($0.34) prior year; nine-month net income $21.8M.
Total assets reached $3.0B, up 6.5% from June 2024; net loans $1.6B, deposits $2.7B, both record highs.
Net interest margin expanded to 2.32% from 1.90% YoY; net interest income rose $3.9M to $16.2M.
Pre-provision net income $24.0M for nine months, up 26.6% from $19.0M; ROAA 1.04%, ROAE 13.40%.
Provision for credit losses on loans $2.3M YTD vs $922K prior year due to loan growth and CECL model.

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