---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-26-040453"
form_type: "8-K"
ticker: "GCBC"
cik: "0001070524"
company_name: "GREENE COUNTY BANCORP INC"
filed_at: "2026-10-22T14:13:16+00:00"
generated_at: "2026-10-22T14:14:09.721347+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.78
calibrated_materiality_score: 0.78
confidence: "high"
source: SEC EDGAR
---

# Greene County Bancorp reports record $12.5M net income for quarter ended Sept. 30, 2026, up 41% year over year

## Summary
- Net income was $12.5 million, or $0.73 per diluted share, versus $8.9 million, or $0.52, for the quarter ended Sept. 30, 2025; net income rose 40.9%.
- Net interest income increased $4.4 million to $21.9 million; net interest margin expanded 45 basis points to 2.93% from 2.48% a year earlier.
- Total assets reached a record $3.2 billion; net loans were $1.8 billion and deposits $2.8 billion, up $134.4 million or 5.0% from June 30, 2026.
- Provision for credit losses was a $432,000 benefit versus a $1.3 million charge a year earlier; nonperforming loans fell to $3.2 million from $3.9 million at June 30.
- Noninterest income fell 27.0% to $2.9 million on a $1.2 million securities sale loss; noninterest expense rose 7.4% to $10.8 million.

## SEC filing metadata
- accession: 0001140361-26-040453
- form_type: 8-K
- ticker: GCBC
- cik: 0001070524
- company_name: GREENE COUNTY BANCORP INC
- filed_at: 2026-10-22T14:13:16+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.78
- calibrated_materiality_score: 0.78
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070524/000114036126040453/0001140361-26-040453-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070524/000114036126040453/ef20084209_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-040453
- JSON: https://secwatch.observer/filing/0001140361-26-040453.json
- Plain text: https://secwatch.observer/filing/0001140361-26-040453.txt

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