---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-26-001830"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:12:40.993254+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Greene County Bancorp reports record quarterly net income of $10.3M for Q2 FY2026

## Summary
- Net income of $10.3M ($0.60/shr) for Q2, up from $7.5M ($0.44/shr) a year ago; six-month record $19.2M ($1.13/shr).
- Total assets reached $3.1B, net loans $1.7B, both new record highs as of Dec 31, 2025.
- Net interest margin expanded 50 bps to 2.54% in Q2; net interest income rose $5.0M YoY to $19.1M.
- Nonperforming assets remain low at 0.10% of total assets; allowance for credit losses 1.26% of loans.
- Opened first Saratoga County office on time and under budget; ranked 9th in Piper Sandler Sm-All Stars.

## SEC filing metadata
- accession: 0001140361-26-001830
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2026-01-21T23:59:59+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/1070524/000114036126001830/0001140361-26-001830-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036126001830/ef20063570_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-001830
- JSON: https://secwatch.observer/filing/0001140361-26-001830.json
- Plain text: https://secwatch.observer/filing/0001140361-26-001830.txt

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