{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-029411","form_type":"8-K","ticker":"GCBC","cik":"0001070524","company_name":"GREENE COUNTY BANCORP INC","filed_at":"2026-07-23T19:41:43+00:00","discovered_at":"2026-07-23T19:43:05.483273+00:00","generated_at":"2026-07-23T19:43:13.703983+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Greene County Bancorp reports record FY2026 net income of $41.0M, up 31.7% YoY","bullets":["Net income $41.0M ($2.41 EPS) vs $31.1M ($1.83 EPS) in FY2025; quarterly net income $11.3M ($0.67 EPS).","Total assets $3.2B, net loans $1.7B, deposits $2.7B; all record highs.","Net interest margin expanded 46 bps to 2.65% for FY2026; net interest income up $17.8M to $77.9M.","Provision for credit losses $2.0M (up from $1.3M) driven by loan growth; nonperforming loans $3.9M (0.23% of net loans).","Company redeemed $20M subordinated notes in Oct 2025; terminated defined benefit pension plan with $905K non-cash charge."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-029411","json":"https://secwatch.observer/filing/0001140361-26-029411.json","markdown":"https://secwatch.observer/filing/0001140361-26-029411.md","text":"https://secwatch.observer/filing/0001140361-26-029411.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070524/000114036126029411/0001140361-26-029411-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070524/000114036126029411/ef20078633_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T19:43:13.703983+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}