---
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"
generated_at: "2026-07-23T19:43:13.703983+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 FY2026 net income of $41.0M, up 31.7% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1070524/000114036126029411/0001140361-26-029411-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036126029411/ef20078633_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-029411
- JSON: https://secwatch.observer/filing/0001140361-26-029411.json
- Plain text: https://secwatch.observer/filing/0001140361-26-029411.txt

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