---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-25-014865"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T08:58:22.270360+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001140361-25-014865
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070524/000114036125014865/0001140361-25-014865-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036125014865/ef20047776_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-014865
- JSON: https://secwatch.observer/filing/0001140361-25-014865.json
- Plain text: https://secwatch.observer/filing/0001140361-25-014865.txt

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