---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-25-038759"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T02:57:20.978467+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Greene County Bancorp Q1 net income $8.9M, EPS $0.52, record assets, expands into Saratoga County

## Summary
- Net income $8.9M ($0.52 EPS) vs $6.3M ($0.37 EPS) a year ago, up 41.7%.
- Total assets $3.1B, net loans $1.65B, deposits $2.7B – all record highs.
- Net interest margin expanded to 2.48% from 2.03% YoY; net interest spread 2.25% vs 1.76%.
- Provision for credit losses $1.3M vs $634K; ACL ratio 1.27% of loans.
- Announced expansion into Saratoga County; Clifton Park office grand opening Oct 25, 2025.

## SEC filing metadata
- accession: 0001140361-25-038759
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2025-10-21T23:59:59+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/1070524/000114036125038759/0001140361-25-038759-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036125038759/ef20057489_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-038759
- JSON: https://secwatch.observer/filing/0001140361-25-038759.json
- Plain text: https://secwatch.observer/filing/0001140361-25-038759.txt

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