Greene County Bancorp (NASDAQ: GCBC) posts $3.2B assets and strong returns

Rhea-AI Filing Summary

Greene County Bancorp, Inc. furnished an investor presentation outlining its recent financial performance and strategy. As of March 31, 2026, total assets were $3.2 billion, up from $3.0 billion at June 30, 2025, an increase of $140.5 million, or 4.6%. Shareholders’ equity rose to $267.6 million, supporting a tangible common equity to tangible assets ratio of 8.41%.

Profitability remains strong, with most recent quarter and last-twelve-month ROAA of 1.37% and 1.29%, and ROAE of 16.02% and 15.72%, respectively. Net interest margin on a fully taxable-equivalent basis improved to 3.03%. Asset quality is clean, with nonperforming assets at 0.10% of assets and very low net charge-offs.

The balance sheet shows gross loans of about $1.75 billion and total deposits of about $2.77 billion, for a loans-to-deposits ratio of 63.0%. The Board approved a quarterly dividend of $0.10 per share, implying an annual rate of $0.40, up 11.1% from $0.36. Capital ratios at the bank level remain comfortably above regulatory minimums, and management highlights a long history of growth, community focus, and consistent dividends.

Insights

Banking sector analyst

Greene County Bancorp shows solid growth, strong profitability, and conservative credit quality.

Greene County Bancorp reports total assets of $3.2B and shareholders’ equity of $267.6M as of March 31, 2026, with tangible common equity to tangible assets at 8.41%. Returns are robust, with ROAA at 1.37% and ROAE at 16.02% for the most recent quarter.

Net interest margin fully tax-equivalent at 3.03% suggests the bank is managing earning-asset yields and funding costs reasonably well despite rate volatility. Credit metrics are conservative: nonperforming assets are just 0.10% of assets and net charge-offs have remained very low, indicating disciplined underwriting.

The loans-to-deposits ratio of 63.0%, a large core deposit base of roughly $2.77B, and a diversified securities portfolio of about $1.18B give flexibility to support further growth. The dividend increase to an annualized $0.40 per share continues a long pattern of rising payouts, though actual impact will depend on future earnings and credit conditions.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Total assets: $3.2B Shareholders’ equity: $267.6M Tangible common equity / tangible assets: 8.41% +5 more

8 metrics

Total assets $3.2B As of March 31, 2026; up 4.6% from June 30, 2025

Shareholders’ equity $267.6M As of March 31, 2026; compared to $238.8M at June 30, 2025

Tangible common equity / tangible assets 8.41% As of March 31, 2026

ROAA 1.37% MRQ / 1.29% LTM Return on average assets, most recent quarter and last twelve months

ROAE 16.02% MRQ / 15.72% LTM Return on average equity, most recent quarter and last twelve months

Net interest margin FTE 3.03% Most recent quarter, fully taxable-equivalent basis

Loans / deposits ratio 63.0% Most recent quarter

Annual dividend rate $0.40 per share Based on $0.10 quarterly dividend approved July 2025; 11.1% above $0.36

Key Terms

Non-GAAP financial measures, Net interest margin fully taxable-equivalent, Tangible common equity to tangible assets, Efficiency Ratio, +1 more

5 terms

Non-GAAP financial measures financial

"In addition to presenting information in conformity with accounting principles generally accepted in the United States of America (GAAP), this presentation contains financial information determined by methods other than GAAP (non-GAAP)."

Non-GAAP financial measures are numbers companies use to show their financial performance that exclude certain expenses or income. They help investors see how the company might perform without one-time costs or other unusual items, giving a different perspective from official reports. However, since they can be adjusted, they don’t always tell the full story and should be looked at alongside standard financial figures.

Net interest margin fully taxable-equivalent financial

"Management has provided in this Presentation supplemental disclosures for the calculation of tangible common equity to tangible assets and net interest margin fully taxable-equivalent."

Tangible common equity to tangible assets financial

"The Company has provided in this Presentation supplemental disclosures for the calculation of tangible common equity to tangible assets and net interest margin fully taxable-equivalent."

Tangible common equity to tangible assets is a ratio that compares the amount of common shareholders’ capital after removing intangible items (like goodwill) to a company’s physical and financial assets after the same removal. It tells investors how much real, loss‑absorbing capital supports each dollar of tangible assets—think of it as the safety cushion under a car: the thicker the cushion, the more protection against unexpected losses.

Efficiency Ratio financial

"High-Performing Profitability Efficiency Ratio (%)"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

Tier 1 Risk Based Capital Ratio financial

"Bank Level Tier 1 Risk Based Capital Ratio (%)"

Tier 1 risk-based capital ratio measures a bank’s core financial cushion—its highest-quality capital such as common equity—relative to the riskiness of its loans and other assets. Like comparing a household’s emergency savings to how risky its investments are, a higher ratio means the bank is better positioned to absorb losses and meet regulatory rules, which helps investors assess safety and resilience of a financial institution.

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Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): June 22, 2026

GREENE COUNTY BANCORP, INC.

(Exact Name of Registrant as Specified in its Charter)

United States		0-25165		14-1809721
(State or Other Jurisdiction of Incorporation)		(Commission File No.)		(I.R.S. Employer Identification No.)

302 Main Street, Catskill NY		12414
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s telephone number, including area code: (518) 943-2600

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class	Trading symbol	Name of exchange on which registered
Common Stock, $0.10 par value	GCBC	The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure

The management of Greene County Bancorp, Inc. (the “Company”) intends to participate in meetings with institutional investors and other interested parties during the second quarter of 2026 to discuss the Company’s strategies, recent performance, and trends.

The investor presentation prepared by the Company for use in these meetings is available on the Company’s website at www.thebankofgreenecounty.com under Investor Relations and “Events & Presentations.” Investors should note that the Company announces material information in Securities and Exchange Commission (the “SEC”) filings and press releases.

This investor presentation is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.

The investor presentation is furnished as Exhibit 99.1 to this report.

Item 9.01.  Financial Statements and Exhibits

	Exhibit No.	Description
	99.1	Investor Presentation March 2026

	Exhibit Number Description
	104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

	GREENE COUNTY BANCORP, INC.
DATE: June 22, 2026	By:	/s/ Donald E. Gibson
	Donald E. Gibson
	President and Chief Executive Officer

Exhibit 99.1

 June 2026  Investor Presentation 

 2  Forward-Looking Statements / Non-GAAP Disclosures  Forward-Looking Statements  This presentation contains statements about future events that constitute forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by references to a future period or periods or by the use of the words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “assume,” “will,” “should,” “could,” “plan,” and other similar terms of expressions. Forward-looking statements should not be relied on because they involve known and unknown risks, uncertainties and other factors, many of which are beyond the Company’s control. These risks, uncertainties and other factors may cause the actual results, performance or achievements expressed in, or implied by, the forward-looking statements to differ materially from those contemplated by the forward-looking statements. Factors that may cause such a difference include, but are not limited to, local, regional, national and international general economic conditions, including actual or potential stress in the banking industry, financial and regulatory changes, changes in interest rates, regulatory considerations, competition, technological developments, retention and recruitment of qualified personnel, changes in customer deposit behavior, and market acceptance of the Company’s pricing, products and services.  The Company cautions readers not to place undue reliance on any forward-looking statements, which speak only as of the date made, and advises readers that various factors, including, but not limited to, those described above and other factors discussed in the Company’s annual and quarterly reports previously filed with the Securities and Exchange Commission, could affect the Company’s financial performance and could cause the Company’s actual results or circumstances for future periods to differ materially from those anticipated or projected.  Unless required by law, the Company does not undertake, and specifically disclaims any obligations to, publicly release any revisions that may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.  For more information, please see our reports filed with the United States Securities and Exchange Commission (“SEC”), including our most recent annual report on Form 10-K and quarterly reports on Form 10-Q.  Non-GAAP Financial Measures  In addition to presenting information in conformity with accounting principles generally accepted in the United States of America (GAAP), this presentation contains financial information determined by methods other than GAAP (non-GAAP). The following measures used in this presentation, which are commonly utilized by financial institutions, have not been specifically exempted by the Securities and Exchange Commission ("SEC") and may constitute "non-GAAP financial measures" within the meaning of the SEC's rules.  The Company has provided in this Presentation supplemental disclosures for the calculation of tangible common equity to tangible assets and net interest margin fully taxable-equivalent. Management believes that the non-GAAP financial measures disclosed by the Company from time to time are useful in evaluating the Company's performance and that such information should be considered as supplemental in nature and not as a substitute for or superior to the related financial information prepared in accordance with GAAP. Our non-GAAP financial measures may differ from similar measures presented by other companies. Refer to the appendix for Non-GAAP to GAAP reconciliations. 

 3  Greene County Bancorp, Inc. Overview  Financial Summary  March 31, 2026 Financial Highlights  Total Assets  $3.2B  MRQ Net Income  $10.5M  MRQ / LTM ROAA  1.37% / 1.29%  NPAs / Assets  0.10%  MRQ / LTM ROAE  16.02% / 15.72%  TCE / TA¹  8.41%  MRQ NIM FTE¹  3.03%  Loans / Deposits  63.0%  1889  1998  1999  2024  Greene County Bancorp, Inc. listed publicly on the Nasdaq under the ticker GCBC  Celebrated 135 years in business and 25 years as a publicly traded company on Nasdaq  Bank of Greene County founded in Catskill, New York  Mutual Holding Company formed to own 100% of Bank of Greene County; sold 45% to the public  1) See Appendix for Non-GAAP reconciliation  Note: Fiscal year ends June 30th of each year; LTM represents last twelve months; MRQ represents most recent quarter  Source: S&P Capital IQ Pro; Company documents  Shareholder Ownership as of March 31, 2026  As of March 31, 2026  Number of Shares  Ownership  Owned by Greene County Bancorp, MHC  9,218,528  54.1%  Owned by Public Shareholders  7,808,300  45.9%  Total Shares Outstanding  17,026,828  100.0% 

 4  2000 2001 2002  Note: Fiscal year ended June 30 Source: S&P Capital IQ Pro  Organization with Deep Roots in the Communities it Serves  Greene County Bancorp, Inc. (Nasdaq: GCBC) is the holding company for the Bank of Greene County and its subsidiary Greene County Commercial Bank, serving New York’s Hudson Valley and Capital Region  For over 137 years, the company has delivered steady growth grounded in security, service, and soundness  Recognized as the #1 Commercial Mortgage Lender in the Capital Region and one of the fastest-growing companies over $100 million by the Albany Business Review  Greene County Bancorp continues to build long-term value for customers, communities, and shareholders  $168  $185  $220  $257  $285  $295  $308  $326  $380  $461  $495  $548  $591  $634  $674  $739  $869  $982  $3,181  $3,041  $2,826  $2,698  $2,572  $2,200  $1,677  $1,269  $1,151  2003  2004  2005  2006  2007  2008  2009  2010  2011  2012  2013  2014  2015  2016  2017  2018  2019  2020  2021  2022  2023  2024  2025  MRQ  Total Assets as of Fiscal Period Shown ($M) 

 5  1) Clifton Park, NY branch opened on October 25, 2025  Note: Star denotes GCBC’s headquarters; Deposit market share data as of June 30, 2025 Source: S&P Capital IQ Pro  Strong Commitment to Upstate New York Market  Deposit Market Share by County  Branch Map  GCBC (19)  Headquarters (1)  Deposits  Market  County (New York)  Rank  Branches  ($000)  Share (%)  Greene  1  6  $1,817,792  50%  Columbia  2  6  $398,720  28%  Albany  12  3  $228,680  1%  Ulster  9  2  $182,470  4%  Rensselaer  11  1  $43,329  2%  Saratoga¹  15  1  $0  0%  Total  19  $2,670,991  2026 Median HHI Income ($)  $84,492  $95,573  $88,141  $95,442  $91,644  $100,118  $91,356  $86,867  Greene  Columbia  Albany  Ulster  Rensselaer  Saratoga  New York State  Nationwide 

 6  Source: S&P Capital IQ Pro; Company documents  Most Recent Quarter Financial Highlights  Selected Highlights  Key Statistics  Balance Sheet  Total assets of the Company were $3.2 billion at March 31, 2026 and $3.0 billion at June 30, 2025, an increase of $140.5 million, or 4.6%  Shareholders’ equity increased to $267.6 million at March 31, 2026 as compared to $238.8 million at June 30, 2025  Income Statement  Noninterest income decreased $157,000, or 4.1%, to $3.7 million for the three months ended March 31, 2026 compared to $3.9 million for the three months ended March 31, 2025  Noninterest expense increased $1.2 million, or 12.3%, to $11.3 million for the three months ended March 31, 2026 compared to $10.0 million for the three months ended March 31, 2025  The effective tax rate was 13.5% and 12.4% for the three and nine months ended March 31, 2026, and 9.9% and 8.0% for the three and nine months ended March 31, 2025, respectively  Key Events  In July of 2025, the Company announced that its Board of Directors has approved a quarterly cash dividend of $0.10 per share on the Company’s common stock  The dividend reflects an annual cash dividend rate of $0.40 per share which represents an 11.1% increase from the previous annual cash dividend of $0.36 per share 

 $2,200  $2,572  $2,698  $2,826  $3,041  $3,181  2021  2022  2023  2024  2025  MRQ  $1,106  $1,252  $1,409  $1,499  $1,627  $1,748  2021 2022  Tangible Common Equity¹ ($M)  2023  2024  2025  MRQ  $150  $158  $183  $206  $239  $268  2021  2022  2023  2024  2025  MRQ  $2,005  $2,213  $2,437  $2,389  $2,640  $2,773  2021  2022  2023  2024  2025  MRQ  Demonstrated Ability to Drive Balance Sheet Growth  Total Deposits ($M)  Gross Loans HFI ($M)  Total Assets ($M)  1) See Appendix for Non-GAAP reconciliation Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  7 

 High-Performing Profitability  Efficiency Ratio (%)  2021 2022  Net Interest Margin FTE (%)¹  Return on Average Equity (%)  Return on Average Assets (%)  1.24%  1.18%  1.19%  0.93%  1.10%  1.37%  2023  2024  2025  MRQ  17.41%  17.93%  18.13%  12.87%  14.08%  16.02%  2021  2022  2023  2024  2025  MRQ  49.7%  48.4%  52.6%  57.5%  52.3%  47.2%  2021  2022  2023  2024  2025  MRQ  2.97%  1) See Appendix for Non-GAAP reconciliation Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  7  2.69%  2.66%  2.25%  2.47%  3.03%  2021  2022  2023  2024  2025  MRQ 

 Well-Positioned to Grow  2021 2022 2023 2024 2025 MRQ  Bank Level Tier 1 Risk Based Capital Ratio (%)  2021 2022 2023 2024  Bank Level Leverage Ratio (%)  Company TCE / TA (%)¹  Company Total Equity ($M)  2021 2022 2023 2024 2025 MRQ  Bank Level Total Risk Based Capital Ratio (%)  Loans / Deposits (%)  55.1%  56.6%  57.8%  62.8%  61.6%  63.0%  16.9%  16.0%  16.5%  17.1%  16.6%  17.0%  2021  2022  2023  2024  2025  MRQ  $150  $158  $183  $206  $239  $268  2025  MRQ  6.80%  6.13%  6.79%  7.29%  7.85%  8.41%  15.6%  14.8%  15.2%  15.9%  15.4%  15.8%  2021  2022  2023  2024  2025  MRQ  7.98%  1) See Appendix for Non-GAAP reconciliation Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  7  8.14%  8.68%  9.29%  9.24%  9.83%  2021  2022  2023  2024  2025  MRQ 

 History of Growth  195%  2016  2017  2018  2019  2020  2021  2022  2023  2024  2025  MRQ  TBVPS + DPS Growth (%)  Compound Tangible Book Value per Share + Dividends (Non-GAAP) Growth  Total Asset Growth  266%  2016  2017  2018  2019  2020  2021  2022  2023  2024  2025  MRQ  Asset Growth (%)  Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  10  Company Growth Expansion…..  While Growing Shareholder Impact 

 Historical Dividends Since 2015  Dividends Per Share  Paid dividends of $0.18 or greater every year since 2015  From 2015 to 2025, GCBC has continued to increase the annual dividend each year  The company has the ability and history of waiving dividends to the Mutual Holding Company (MHC)  On a cumulative basis, the MHC has waived approximately $36.6 million of dividends since 2001, retaining capital at the Bancorp  $0.18  $0.19  $0.19  $0.20  $0.20  $0.22  $0.24  $0.26  $0.28  $0.32  $0.36  2015  2016  2017  2018  2019  2020  2021  2022  2023  2024  2025  Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  10 

 Loan Portfolio Overview  Net Charge-offs / Average Net Loans Receivable (%)  Nonperforming Assets / Assets (%)  Loan Portfolio Composition as of March 31, 2026  Amount (%) of  Loan Type ($000's) Total  Residential  $415,749  23.8%  CRE  1,151,349  65.9%  Home Equity  41,779  2.4%  Consumer  3,845  0.2%  Commercial  134,981  7.7%  Total Loans  $1,747,703  100.0%  $1.7B  Total  Residential 23.8%  CRE 65.9%  Home Equity 2.4%  Consumer 0.2%  Commercial 7.7%  0.25%  0.21%  0.13%  0.10%  0.10%  0.11%  2021 2022 2023 2024  2025  MRQ  0.04%  Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  10  0.02%  0.04%  0.10%  0.02%  0.02%  2021  2022  2023  2024  2025  MRQ 

 Deposit Composition Overview  2021 2022  Cost of Deposits (%)  Cost of Funds (%)  Deposit Composition as of March 31, 2026  NIB 4.0%  Certificates of Deposit 8.1%  NOW  Deposits 75.5%  Money Market & Savings 12.4%  $2.7B  Total  0.29%  0.25%  0.98%  2.16%  2.23%  1.79%  2023  2024  2025  MRQ  0.24%  0.16%  2.19%  1.76%  Noninterest-bearing  $109,085  4.0%  2.10%  Certificates of Deposit  225,880  8.1%  NOW Deposits  2,093,452  75.5%  0.87%  Amount (%) of  Deposit Type ($000's) Total  Money Market & Savings  Total Deposits  $2,772,554  100.0%     2021  2022  2023  2024  2025  MRQ  Note: Fiscal year ended June 30  Source: S&P Capital IQ Pro; Company documents  13  344,137  12.4% 

 Available-for-Sale 31%  14  Held-to-Maturity 69%  Source: S&P Capital IQ Pro; Company documents  Securities Portfolio Composition  Portfolio as of March 31, 2026  Securities Portfolio Breakdown (as of March 31, 2026)  $1.2B  Total  March 31, 2026  (Dollars in thousands)  Balance  % of Portfolio  Securities Available-for-Sale:  U.S. Treasury securities  $5,789  0.5%  U.S. government sponsored enterprises  6,371  0.5%  State and political subdivisions  215,643  18.2%  Mortgage-backed securities-residential  50,879  4.3%  Mortgage-backed securities-multifamily  75,904  6.4%  Corporate debt securities  15,615  1.3%  Total Securities Available-for-Sale  $370,201  31.2%  Securities Held-to-Maturity:  U.S. Treasury securities  $13,890  1.2%  State and political subdivisions  479,584  40.5%  Mortgage-backed securities-residential  171,074  14.4%  Mortgage-backed securities-multifamily  121,738  10.3%  Corporate debt securities  28,003  2.4%  Other securities  25  0.0%  Total Securities Held-to-Maturity  $814,314  68.8%  Total Securities (at carrying value)  $1,184,515  100.0% 

 Opened  October 25, 2025  Source: Company documents  Focused on Growth & Targeted Expansion  Capital Region Banking Center  Albany County, NY  Clifton Park  Saratoga County, NY  Continued Growth Into New York’s Capital Region and Hudson Valley  14  Opened  March 19,2024  Expansion  3 Winners Circle, Colonie  1208 Route 146, Clifton Park 

 Greene County Bancorp is Strong & Well Positioned for Continued Growth  Experienced Senior Management Team and Board of Directors with Extensive Banking Knowledge  Attractive Low-Cost Deposit Base  Clean Asset Quality Through Strict Underwriting Standards and Strong Credit Risk Management  Well Capitalized  Achieved Record Net Income for 16 Out of the Last 17 Fiscal Years  Highly Profitable Business Model, Efficient Operations, Consistently Strong Returns for Shareholders  Established Franchise With History of Stability & Serving Its Community – 137 Years!  14 

 #1 Commercial Mortgage Lender in the Capital Region by Albany Business Review  Ranked one of the Fastest Growing Companies in the Capital Region by Albany Business Review  Recent Awards  Bauer Financial, Inc - 5 Star Superior Rating 16th Consecutive Year  Recognized as a Top-Performing Bank in Piper Sandler’s Class of 2025 Bank & Thrift Small-Cap All Stars, GCBC has been recognized nine times in the last 21 years  14 

 Source: Company documents  Charitable Foundation  Formed in 1998, funded initially by Bank stock & cash  $4 million in total contributions since inception  Granted over $556,000 to over 491 organizations in 2025  Awards fund education, health and wellness, social and civic services, culture and arts, housing, and emergency home repairs for seniors and low income households  14 

 Appendix 

 Executive Management Team Presenting  Donald E. Gibson has served as President and Chief Executive Officer of Greene County Bancorp, Inc. and the Bank of Greene County since 2007. He has been with the Bank since 1987, holding various positions of increasing responsibility prior to his appointment as President and CEO. Under his leadership as President and CEO, the Bank has grown from approximately $300 million in assets to over $3 billion and has achieved record earnings in 16 of the past 17 years. Mr. Gibson also serves as Chairperson of the Board of Directors of Atlantic Community Bankers Bank and is a current Board Member.  Nick Barzee is a Certified Public Accountant and has served as the Senior Vice President and Chief Financial Officer of the Company and the Bank since July 1, 2024. Prior to this appointment, Mr. Barzee served as Vice President, Director of Finance since 2023 and Vice President, Controller since 2021. Prior to joining the Company and Bank, Mr. Barzee worked as a Senior Manager with KPMG LLP in Albany, NY and New York City for over 12 years. Mr. Barzee holds both a Master’s degree in Business Administration and a Bachelor's degree in Accounting from the State University of New York at Oswego.  Scott Houghtaling has served as Senior Vice President and Chief Credit & Banking Officer since June 2024. Prior to his appointment, Mr. Houghtaling served as Senior Managing Director at Berkshire Bank. He has many ties to the local community, graduating High School from Ravena-Coeymans-Selkirk Central School and obtaining his Bachelor of Science degree from Siena College. He is also very involved in the local community, serving as a Board Member for the Center for Economic Growth and a Board Trustee for Catholic Charities of the Diocese of Albany.  Source: Company website  20 

 Board of Directors  Christopher Cannucciari is a partner at Lutz, Selig & Zeronda, CPAs, LLP. Mr. Cannucciari is a Certified Public Accountant and Accredited in Business Valuation, and earned his Bachelor of Science in Finance from Siena College and his Master of Business Administration in Public Accounting from the University of Rochester. Mr. Cannucciari was elected to the Board of Directors in 2024 and had previously been a member of The Bank of Greene County’s Advisory Board since 2013. Mr. Cannucciari served as the Northeast Chapter President for the New York State Society of CPA’s for the term ended May 31, 2016, and was a Board Member from 2012-2018. Mr. Cannucciari also serves as Treasurer of the Capital Region Chamber of Commerce. Mr. Cannucciari brings his expertise in accounting principles as well as tax and financial reporting rules and regulations to the Board of Greene County Bancorp, Inc., in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  Christopher Cannucciari Director  Jay P. Cahalan is retired. Prior to his retirement in 2022, Mr. Cahalan was the former President and Chief Executive Officer of Columbia Memorial Health (CMH). He continues to serve CMH as Chairman of the Columbia Memorial Health Foundation. Mr. Cahalan worked with CMH for 29 years in executive leadership positions prior to his retirement. He was also President and part-owner of Hudson Health & Fitness in Hudson and served as President of the Greene County Rural Health Network before retiring as its President in 2016. Prior to his appointment to the Board of Directors in 2015, Mr. Cahalan served as a member of The Bank of Greene County’s Advisory Board of Directors since 2012. Mr. Cahalan has a Master of Science in Law from Champlain College in Vermont, a Master of Arts from the University of Connecticut, and a Bachelor of Science from Southern Connecticut State University. Mr.  Cahalan’s health care services experience provides valuable business and leadership skills and financial acumen to the Board in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  Jay P. Cahalan  Chairman  John Brust is the Principal and an owner of Delaware Engineering, D.P.C, an Albany-based firm engaged in civil and environmental engineering throughout New York State. Mr. Brust joined Delaware Engineering in 1998 and has over 30 years of experience in technical consulting as well as a broad perspective regarding the economy and the environment. Mr. Brust has been a member of The Bank of Greene County Advisory Board since 2019, and is a graduate of Seton Hall University, and holds a Master of Environmental Science from Rutgers University. Mr. Brust brings to the Board of Directors his expertise in supporting the economic development of New York communities, his experience with regulatory affairs, and his relationships with state and regional agencies, in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  John Brust  Director  See executive management team page for biography.  Donald E. Gibson President, Chief Executive Officer, and Director  Source: Company website  20 

 Board of Directors (Continued)  Michelle M. Plummer is retired. Prior to her retirement in June 2024, Ms. Plummer served as Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer, a position held since 2020. Prior to this appointment, Ms. Plummer served as Executive Vice President, Chief Operating Officer and Chief Financial Officer of the Company and the Bank since 2007. Prior to these appointments, Ms. Plummer served as Chief Financial Officer of the Company and the Bank since May 1999. Ms. Plummer is a Certified Public Accountant and a Chartered Global Management Accountant. Prior to her tenure at the Company and Bank, Ms. Plummer held positions with KPMG LLP and the Federal Reserve Bank of New York. Ms. Plummer obtained a Master of Science from Pace University and a Bachelor of Science from Marist College. Ms. Plummer is a member of the AICPA and NYSSCPA. Ms.  Plummer’s banking and accounting industry experience brings valuable business and leadership skills and financial acumen to the Board in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  Michelle M. Plummer  Director  Tejraj S. Hada is a highly accomplished entrepreneur and investor with nearly two decades of leadership in the restaurant and hospitality industries. Since 2022, Mr. Hada has been the co-owner of a Hilton Garden Inn and Magnoliya Convention Center in Virginia and holds multiple commercial real estate properties in upstate New York. As a former franchisee of Five Guys Burgers and Fries and TCBY, Mr. Hada oversaw 29 locations across New York and Massachusetts. At its peak, his operations employed more than 500 staff members, and his strong commitment to operational excellence earned him Five Guys’ Franchisee of the Year award in 2015. After successfully selling his restaurant operations, Mr. Hada shifted his focus to other ventures. Mr. Hada holds a degree in Computer Science from the Engineering College Kota and a Postgraduate Diploma in Industrial Engineering from the National Productivity Council in India. Before entering the restaurant industry, he spent 10 years as a software engineer and project leader. In recognition of his entrepreneurial achievements, Mr. Hada was honored with the Small Business Excellence Award by the U.S. Small Business Administration in 2010. Prior to his appointment to the Board of Directors in 2022, Mr. Hada served as a member of The Bank of Greene County’s Advisory Board of Directors. He has served as a board member of the Guilderland Chamber of Commerce.  Tejraj S. Hada  Director  Peter W. Hogan is a shareholder in the Hudson, New York-based accounting firm of Karp, Ackerman, Small & Hogan, CPAs, P.C. He has been with the firm for over 30 years. Mr. Hogan is a Certified Public Accountant. He became Chairman of the Board’s Audit Committee in December 2013. He was formerly a member of The Bank of Greene County’s Advisory Board. He has a Bachelor of Business Administration in Accounting from Siena College. Mr. Hogan brings to the Board of Directors his valuable experience as a business consultant and his expertise in dealing with accounting principles and financial reporting rules and regulations in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  Peter W. Hogan  Director  Charles H. Schaefer is founding partner of the law firm, Deily & Schaefer, Catskill, New York. Mr. Schaefer is a member of the American Bar Association’s Committee on Banking Law, as well as a member of the New York State Bankers Association’s Section on Business Law and its banking subcommittee. Since 1977 he has advised the Bank on various legal matters, becoming General Counsel in 1988 to the Bank’s predecessor, Greene County Savings Bank. As an experienced attorney, Mr. Schaefer brings to the Board a unique and valuable perspective on legal and legal-related issues that may arise in the operations and management of the Company and the Bank.  Charles H. Schaefer  Director  Source: Company website  20 

 Directors Emeritus  Paul E. Slutzky served on the Board of Directors since 1992, was named Chairman in 2020, and retired in November 2022. Mr. Slutzky is a former co-owner of Hunter Mountain Ski Area and its affiliated companies and retired from I. & O. A. Slutzky, Inc., a general construction company. Mr. Slutzky's over 30 years of experience as co-owner and 40 years as a manager of various family owned businesses brings valuable business and leadership skills and financial acumen to the Board in furtherance of the Board's objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  Paul E. Slutzky  Director  David H. Jenkins is a veterinarian and the former owner of Catskill Animal Hospital, Catskill, New York. Dr. Jenkins’ over 30 years of experience as owner and manager of a locally operated business bring valuable business and leadership skills and financial acumen to the Board in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  David H. Jenkins  Director  Dennis R. O’Grady is a graduate of Union University, Albany College of Pharmacy. He owned and operated Mikhitarian Pharmacy for 31 years, until its sale to Price Chopper in 1999. He has been a Board member since 1981. Mr. O’Grady has also served as the President of Columbia Greene Community College Foundation, President of Catskill Rotary, President of Catskill Boys Club, and President of local chapters of the March of Dimes. He has served on several local not for profit organizations in the role of finance committee member. Mr.  O’Grady’s over 30 years of experience as owner of his own pharmaceutical business bring valuable business and leadership skills and financial acumen to the Board in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities.  Dennis R. O’Grady  Director  Martin C. Smith is a retired consultant to Main Bros. Oil Co., Inc., and is the former owner of R.E. Smith Fuel Company, which was purchased by Main Bros. Oil Co., Inc., located in Albany, New York. He became Chairman of the Board in November 2005 and retired in November 2020. Mr. Smith’s 23 years of experience as owner of his own energy services company and an additional 15 years as a consultant in the energy services industry bring valuable business and leadership skills and financial acumen to the Board in furtherance of the Board’s objective of maintaining a membership of experienced and dedicated individuals with diverse backgrounds, perspectives, skills, and other qualities that are beneficial to the Company.  Martin C. Smith  Director  J. Bruce Whittaker retired as President and Chief Executive Officer of the Company and of The Bank of Greene County in June 2007. Mr. Whittaker has been affiliated with the Bank in various capacities since 1972. Mr. Whittaker was appointed to the Board of Trustees of the Bank in 1987. As the former President and Chief Executive Officer of the Company and the Bank, Mr. Whittaker offers a wealth of management experience, business understanding, and knowledge of banking regulations and our market area, along with a deep understanding of the role of the Board of Directors. Mr. Whittaker’s prior experience gives him front-line exposure to many of the issues facing the Company as well as extensive valuable experience in overseeing, among other matters, the Company’s banking business.  J. Bruce Whittaker  Director  Source: Company website  20 

 For fiscal year ended June 30, MRQ  ($000s)  2021  2022  2023  2024  2025  3/31/2026  Total Common Equity  $149,584  $157,714  $183,283  $206,000  $238,837  $267,593  Goodwill  --  --  --  --  --  --  Other Intangibles  --  --  --  --  --   --   Less: Total Intangible Assets  --  --  --  --  --  --  Tangible Common Equity  $149,584  $157,714  $183,283  $206,000  $238,837  $267,593  Total Assets  $2,200,335  $2,571,740  $2,698,283  $2,825,788  $3,040,609  $3,181,155  Goodwill  --  --  --  --  --  --  Other Intangibles  --  --  --  --  --  --  Less: Total Intangible Assets  --  --  --  --  --  --  Tangible Assets  $2,200,335  $2,571,740  $2,698,283  $2,825,788  $3,040,609  $3,181,155  Tangible Common Equity / Tangible Assets  6.80%  6.13%  6.79%  7.29%  7.85%  8.41%  Net Interest Margin FTE  For fiscal year ended June 30, MRQ  ($000s)  2021  2022  2023  2024  2025  3/31/2026  Net Interest Income  $53,145  $58,005  $61,218  $50,979  $60,121  $20,186  Tax-Equivalent Adjustment  3,032  3,670  5,258  6,791  7,679  2,202  Net Interest Income Fully Taxable-Equivalent  $56,177  $61,675  $66,476  $57,770  $67,800  $22,388  Average Interest-Earning Assets  $1,892,650  $2,291,448  $2,495,653  $2,568,756  $2,739,472  $2,953,830  Net Interest Margin Fully Taxable-Equivalent  2.97%  2.69%  2.66%  2.25%  2.47%  3.03%  Source: Company documents  24  Non-GAAP Reconciliation  Tangible Common Equity / Tangible Assets 

FAQ

What are Greene County Bancorp (GCBC) total assets and equity as of March 31, 2026?

As of March 31, 2026, Greene County Bancorp reported total assets of $3.2 billion and shareholders’ equity of $267.6 million. This compares with $3.0 billion of assets and $238.8 million of equity at June 30, 2025, reflecting continued balance sheet growth.

How profitable is Greene County Bancorp (GCBC) based on recent ROAA and ROAE?

For the most recent quarter, Greene County Bancorp generated a ROAA of 1.37% and ROAE of 16.02%. On a last-twelve-month basis, ROAA was 1.29% and ROAE was 15.72%, indicating strong profitability relative to its asset and equity base.

What is Greene County Bancorp (GCBC) dividend rate and recent increase?

In July 2025, the Board approved a quarterly dividend of $0.10 per share, implying an annual rate of $0.40. This represents an 11.1% increase from the previous annual dividend of $0.36 per share, continuing the company’s long record of rising dividends.

How strong are Greene County Bancorp (GCBC) asset quality metrics?

Greene County Bancorp reports nonperforming assets at 0.10% of total assets and very low net charge-offs. These figures, combined with strict underwriting standards and strong credit risk management, indicate conservative credit quality and limited current credit losses.

What is Greene County Bancorp (GCBC) net interest margin and funding profile?

Net interest margin on a fully taxable-equivalent basis was 3.03% for the most recent quarter. The bank had about $2.77 billion of total deposits, largely in low-cost NOW and savings accounts, supporting earnings while keeping the loans-to-deposits ratio at 63.0%.

How is Greene County Bancorp (GCBC) capitalized based on recent ratios?

At the holding company level, tangible common equity to tangible assets was 8.41% as of March 31, 2026. Bank-level Tier 1 risk-based capital, total risk-based capital, and leverage ratios are all comfortably above regulatory minimums, supporting ongoing growth and risk absorption capacity.

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