---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-25-026900"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2025-07-23T23:59:59+00:00"
generated_at: "2026-05-18T03:08:35.123424+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Greene County Bancorp posts record $31.1M net income for FY2025; expands to Saratoga County

## Summary
- Net income $31.1M ($1.83/diluted share) for FY2025, up 25.7% from $24.8M ($1.45) prior year.
- Q4 net income $9.3M ($0.55/share), up 38.6% from $6.7M ($0.40) prior year Q4.
- Total assets reached $3.0B record; net loans $1.6B, deposits $2.6B.
- Plans first branch in Saratoga County, expanding to 6 counties in New York.
- Net interest margin improved to 2.19% for FY2025 from 1.98% prior year.

## SEC filing metadata
- accession: 0001140361-25-026900
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2025-07-23T23:59:59+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/1070524/000114036125026900/0001140361-25-026900-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036125026900/ef20052447_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-026900
- JSON: https://secwatch.observer/filing/0001140361-25-026900.json
- Plain text: https://secwatch.observer/filing/0001140361-25-026900.txt

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