Greene County Bancorp Inc.

Banks - Regional • Financial Services • Catskill, NY, United States • GCBC (NCM)

518 943 2600 302 Main Street, Catskill, NY 12414, United States

Quarter: Q4 2025 Reported: October 21, 2025 Sentiment: Neutral

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company offers deposit products, such as savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio includes residential, construction and land loans; commercial real estate mortgages; consumer loans, including loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans comprising passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. In addition, it provides transaction processing and investment brokerage services. Further, it engages in the sale of securities and the operation of banking office, lending centers, an operations center, customer call center, administration center, and a wealth management center. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. operates as a subsidiary of Greene County Bancorp, MHC.

Analysis Summary

A comprehensive analysis of Greene County Bancorp, Inc.'s (GCBC) Q4 2025 performance is not feasible based on the provided earnings call transcript. The document, filed under Item 2.02 and Item 9.01, solely indicates that a press release disclosing financial results for the three months ended September 30, 2025, was issued on October 21, 2025, and is attached as Exhibit 99.1. The transcript explicitly notes that this information is not considered 'filed' for purposes of Section 18 of the Securities Exchange Act of 1934, nor incorporated by reference under the Securities Act of 1933. There are no details regarding financial performance breakdown, strategic initiatives, business segment analysis, management commentary, forward guidance, competitive positioning, market trends, risk factors, or analyst Q&A highlights. Consequently, a detailed assessment of GCBC's financial health, operational strategies, or future outlook cannot be derived from this document.

Key Highlights

• The provided document is a regulatory filing (Form 8-K) referencing an earnings press release.
• A press release disclosing Q4 2025 financial results was issued on October 21, 2025.
• The press release covers financial results for the three months ended September 30, 2025.
• Exhibit 99.1, the press release, contains the detailed financial results.
• The information in the exhibit is not deemed 'filed' for certain regulatory purposes.