Greene County Bancorp, Inc. filings document formal disclosures for a bank holding company whose principal subsidiaries are the Bank of Greene County and Greene County Commercial Bank. Recent Form 8-K reports include operating results furnished under Item 2.02, dividend declarations, a common-stock repurchase authorization, Regulation FD investor-presentation materials and other material-event disclosures.
The filings also record capital and governance matters, including Greene County Bancorp, MHC's majority ownership and dividend-waiver communications, Federal Reserve Bank nonobjection disclosures, annual meeting voting results, director elections, auditor ratification and advisory executive-compensation votes.
Greene County Bancorp, Inc. furnished an investor presentation in connection with planned first‑quarter 2026 meetings with institutional investors and other interested parties. The presentation, available on the company’s website, reviews strategy, financial performance, and market position and is furnished under Item 7.01, not filed for liability purposes.
As of December 31, 2025, total assets were $3.1 billion, up from $3.0 billion a year earlier. Shareholders’ equity rose to $258.3 million from $238.8 million at June 30, 2025, supported by $19.2 million in net income for the six months ended December 31, 2025 and lower accumulated other comprehensive loss.
The bank highlights a net interest margin of 2.54% for the quarter ended December 31, 2025, up 50 basis points from 2.04% a year earlier, and most recent‑quarter ROAA and ROAE of 1.33% and 16.27%, respectively. The efficiency ratio was 46.9% for the six months ended December 31, 2025, indicating tight expense control.
Credit and balance‑sheet metrics remain conservative, with nonperforming assets at 0.10% of assets and loans‑to‑deposits at 63.9%. Tangible common equity to tangible assets was 8.21% at December 31, 2025. Deposits totaled $2.64 billion, loans held for investment $1.69 billion, and the securities portfolio $1.22 billion, mostly held‑to‑maturity municipals and mortgage‑backed securities.
The company also emphasizes its mutual holding company structure, with 17,026,828 shares outstanding as of December 31, 2025, of which 54.1% are owned by Greene County Bancorp, MHC and 45.9% by public shareholders. It notes a history of asset and earnings growth, a low‑cost deposit base concentrated in New York’s Hudson Valley and Capital Region, and long‑term community focus.
Dividend history features steadily rising payouts, including a quarterly dividend of $0.10 per share announced in July 2025, equivalent to $0.40 annually, up 11.1% from $0.36. The mutual holding company has cumulatively waived about $36.6 million of dividends since 2001, supporting capital retention.
Greene County Bancorp senior executive Nick Barzee made an indirect open-market purchase of 1,280 shares of common stock at $22.55 per share through a 401(k) plan. Following this transaction, he indirectly holds 4,520 shares in that account and 380 additional shares held indirectly through an ESOP.
GREENE COUNTY BANCORP INC director Christopher Cannucciari reported an open-market purchase of common stock. He bought 1,300 shares at a price of $22.05 per share, bringing his directly held stake to 4,378 common shares after the transaction.
He also reported indirect holdings of 310 common shares through a 401(k) plan and 38 common shares held as custodian for his children. These indirect positions reflect beneficial ownership through retirement and custodial accounts rather than direct personal holdings.
Greene County Bancorp, Inc. reported stronger results for the three and six months ended December 31, 2025. For the quarter, net interest income rose to $19.1 million, and net income increased to $10.3 million, or $0.60 per share, compared with $7.5 million, or $0.44 per share, a year earlier.
Total assets reached $3.15 billion, up from $3.04 billion at June 30, 2025, driven mainly by growth in loans and securities. Deposits were steady at about $2.64 billion, while short-term borrowings increased. Credit quality remained solid, with non-accrual loans of $3.3 million and an allowance for credit losses on loans of $21.3 million.
The company continued its $0.10 per share quarterly dividend. It also moved to terminate its frozen defined benefit pension plan, recording a $199,000 settlement charge, while pension assets remained sufficient to cover obligations.
Greene County Bancorp, Inc. announced that its Board of Directors approved a quarterly cash dividend of $0.10 per share on its common stock, equal to an annual rate of $0.40 per share, the same rate as in the previous quarter. A press release with further details is filed as an exhibit.
The company notes that Greene County Bancorp, MHC, its mutual holding company and majority stockholder, owns 9,218,528 of the company’s 17,026,828 total shares of common stock outstanding. The MHC has historically waived its right to receive cash dividends, but for cash flow purposes it does not intend to waive receipt of the dividend for the quarter ended December 31, 2025.
Greene County Bancorp, Inc. filed a current report to let investors know it has released its financial results for the three and six months ended December 31, 2025. The company explained that these results are presented in a separate press release dated January 21, 2026, which is attached to the report as an exhibit. The filing itself is largely administrative and clarifies that the earnings information in the press release is being furnished to regulators rather than formally filed into the company’s other registration statements.
Greene County Bancorp, Inc. (GCBC) director Tejraj S. Hada reported open-market style purchases of company stock. On 11/19/2025, he acquired 268 shares of common stock at $21.95 per share, increasing his direct holdings to 28,191 shares. A second reported transaction dated 11/20/2005 shows an additional purchase of 1,000 shares at $21.95, bringing his directly owned total to 29,191 shares. The filing confirms he is reporting as a director and that the Form 4 is filed by one reporting person.
Greene County Bancorp, Inc. (GCBC) reported an insider share purchase by a director. On 11/18/2025, the reporting person bought 3,000 shares of common stock in an open-market transaction coded "P" at a price of $21.96 per share. Following this transaction, the director beneficially owns 27,923 shares of GCBC common stock held directly. No derivative securities transactions were reported in this Form 4.
Greene County Bancorp, Inc. (GCBC) reported an insider share purchase by its Executive Vice President and Chief Lending Officer, John Antalek. On 11/18/2025, he acquired 1,500 shares of common stock at $22 per share through a 401(k) plan transaction coded as a purchase. Following this trade, he beneficially owned 7,567 shares through the 401(k), 1,023 shares through an ESOP, and 600 shares directly.
Greene County Bancorp, Inc. (GCBC) director Tejraj S. Hada reported an open-market purchase of common stock. On 11/14/2025, the director bought 366 shares of GCBC common stock at a price of $22 per share, according to a Form 4 insider trading report. Following this transaction, the director beneficially owns 24,923 shares of Greene County Bancorp common stock in direct ownership.