GCBC on Nasdaq

GREENE COUNTY BANCORP INC

GREENE COUNTY BANCORP INC is an American savings institutions company based in Catskill.1 Its shares trade on Nasdaq under the symbol GCBC.1

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Last updated Oct 20, 2026.

Overview

$41.0MNet income, fiscal 20262

Compare with FS Bancorp, Inc., Rhinebeck Bancorp, Inc. or Pioneer Bancorp, Inc./MD, or pick any stock.

  • TickerGCBC on Nasdaq1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersCatskill, New York1
  • Incorporated inDE3
  • Business address302 Main Street, Catskill, Ny 124143
  • Filer categoryAccelerated filer, Smaller reporting company3

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Greene County Bancorp, MHC was formed in December 1998 as part of the Bank of Greene County's mutual holding company reorganization. In 2001, Greene County Bancorp, MHC converted from a state to a federal charter. The Federal Reserve Board regulates Greene County Bancorp, MHC. Greene County Bancorp, MHC owns 54.1% of the outstanding common stock of Greene County Bancorp, Inc . The remaining shares of Greene County Bancorp, Inc. are owned by public stockholders and the Bank of Greene County’s Employee Stock Ownership Plan. At June 30, 2026, Greene County Bancorp, Inc.’s assets consisted primarily of its investment in the Bank of Greene County, cash and securities. At June 30, 2026, 7,806,957 shares of Greene County Bancorp, Inc.’s common stock, par value $0.10 per share, were held by the public, including executive officers and directors, 197,195 shares were held as Treasury stock and 9,2…5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2019

424.7%Net margin6
15.6%Return on equity7
$21.0MFree cash flow6

Where the money goes

Where each dollar of revenue went, fiscal 2019

  • Interest23¢$6.3M
  • Income tax13¢$3.5M
  • Profit64¢$17.5M

Out of $4.1M in revenue.86

Where each dollar of operating cash went, fiscal 2019

  • Capital spending3¢$589.0K
  • Dividends paid9¢$2.0M
  • Kept or used elsewhere88¢$19.0M

Out of $21.6M of cash from operations.6

Financial statements

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2026-06-302025-06-30
Loans$89.5M$80.0M
Investment securities - tax exempt$21.7M$19.6M
Investment securities - taxable$17.9M$14.6M
Interest-bearing deposits and federal funds sold$2.1M$3.5M
Total interest income$131.1M$117.7M
Interest on deposits$51.1M$55.1M
Interest on borrowings$2.1M$2.5M
Total interest expense$53.2M$57.6M
Net interest income$77.9M$60.1M
Provision for credit losses$2.0M$1.3M
Net interest income after provision for credit losses$75.9M$58.8M
Service charges on deposit accounts$5.1M$4.9M
Debit card fees$4.5M$4.4M
Investment services$1.2M$1.1M
E-commerce fees$121.0K$110.0K
Bank-owned life insurance$2.8M$2.5M
Loss on sale of securities available-for-sale-$576.0K-$665.0K
Other operating income$1.6M$2.9M
Total noninterest income$14.7M$15.2M
Salaries and employee benefits$26.7M$24.4M
Occupancy expense$2.9M$2.6M
Equipment and furniture expense$900.0K$791.0K
Service and data processing fees$3.2M$2.9M
Computer software, supplies and support$2.0M$1.6M
Advertising and promotion$506.0K$486.0K
FDIC insurance premiums$1.5M$1.4M
Legal and professional fees$1.5M$1.4M
Other expenses$4.6M$3.8M
Total noninterest expense$43.7M$39.4M
Income before provision for income taxes$46.8M$34.7M
Provision for income taxes$5.8M$3.5M
Net income$41.0M$31.1M
Basic earnings per share (in Dollars per share)$2.41$1.83
Basic average shares outstanding (in Shares)17.0M shares17.0M shares
Diluted earnings per share (in Dollars per share)$2.41$1.83
Diluted average shares outstanding (in Shares)17.0M shares17.0M shares
Dividends per share (in Dollars per share)$0.40$0.36

Compare GREENE COUNTY BANCORP INC with another company

Corporate structure

GREENE COUNTY BANCORP INC sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of GREENE COUNTY BANCORP INC

  • FMR LLC Filed SCHEDULE 13G/A on GREENE COUNTY BANCORP INC, latest Feb 12, 2025 (2 filings since Nov 12, 2024)
  • GREENE COUNTY BANCORP INC Catskill, New York
    • Greene County Commercial Bank Subsidiary · New York, United States
    • Greene Property Holdings, Ltd. Subsidiary · New York, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What GREENE COUNTY BANCORP INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Accumulated depreciation$14.1M2 Jun 30, 2026$13.0M2 Jun 30, 2025+8.8%
Property and equipment, net$14.8M2 Jun 30, 2026$15.2M2 Jun 30, 2025−2.6%
Operating-lease assets (leased space)$2.2M2 Jun 30, 2026$2.3M2 Jun 30, 2025−3.8%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$373.8M2 Jun 30, 2026$356.1M2 Jun 30, 2025+5.0%
Debt securities held to maturity$804.1M2 Jun 30, 2026$776.7M2 Jun 30, 2025+3.5%
Deposits held (banks)$2.7B2 Jun 30, 2026$2.6B2 Jun 30, 2025+2.8%

Properties, in its own words

Properties

Greene County Bancorp, Inc. and the Bank of Greene County maintain their executive offices at the Administration Center, 302 Main Street, Catskill, New York. The Bank of Greene County has a lending center, operations center, customer call center, and wealth management center, located in Catskill, New York, and a lending center located in Albany, New York. At June 30, 2026, the Bank of Greene County conducted its business through 19 full-service banking offices. The Company owns nine branch offices and lease ten branch offices located within Greene, Columbia, Albany, Ulster, Rensselaer, and Saratoga Counties of New York State. Greene County Commercial Bank conducts its business through the branch offices of the Bank of Greene County. In the opinion of management, the physical properties of our holding company and our various subsidiaries are suitable and adequate. For more information on our properties, see Notes 1, 5 and 16 set forth in Part II, Item 8 Financial Statements and Supplementary Data, of this Annual Report.

Item 2 of the 10-K filed Sep 9, 2026.5

Leadership

Who has led GREENE COUNTY BANCORP INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. J. Bruce Whittaker2006
  2. Donald E. Gibson2007–now

President

  1. J. Bruce Whittaker2006
  2. Donald E. Gibson2007–now

Chief financial officer

  1. Michelle M. Plummer2007–2024
  2. Nick Barzee2024–now

Chief operating officer

  1. Michelle M. Plummer2007–2024
2010201520202025
Board members and other officers (18)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Greene County Commercial Bank New York4
  • Greene Property Holdings, Ltd. New York4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Sep 15, 20268-K Other events33
  2. Jul 23, 20268-K Results of operations34
  3. Jul 22, 20268-K Other events35
  4. Jun 22, 20268-K Regulation FD disclosure36
  5. Apr 22, 20268-K Other events37
  6. Apr 22, 20268-K Results of operations38
  7. Apr 15, 20268-K Other events39
  8. Mar 20, 20268-K Other events40
  9. Mar 9, 20268-K Regulation FD disclosure41
  10. Jan 21, 20268-K Results of operations42
  11. Jan 21, 20268-K Other events43
  12. Nov 4, 20258-K Shareholder vote; Other events44
  13. Jul 5, 2007New chief executive Donald E. Gibson becomes CEO12
  14. Feb 24, 2006New chief executive J. Bruce Whittaker becomes CEO13

Calendar

Coming up

  1. Oct 20, 2026Reports results for the quarter ending Sep/202645

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results34
  2. Apr 22, 2026Reported quarterly or annual results38
  3. Jan 21, 2026Reported quarterly or annual results42
  4. Oct 21, 2025Reported quarterly or annual results46
  5. Jul 23, 2025Reported quarterly or annual results47
  6. Apr 22, 2025Reported quarterly or annual results48
  7. Jan 22, 2025Reported quarterly or annual results49
  8. Oct 22, 2024Reported quarterly or annual results50

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

162 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 59 major events, 52 insider forms, 2 large holders, 29 other. The latest 20:

  1. Sep 25, 2026ARS EDGAR
  2. Sep 25, 2026DEFA14A EDGAR
  3. Sep 25, 2026DEF 14A EDGAR
  4. Sep 15, 20268-K EDGAR
  5. Sep 15, 2026PRE 14A EDGAR
  6. Sep 9, 202610-K EDGAR
  7. Jul 23, 20268-K EDGAR
  8. Jul 22, 20268-K EDGAR
  9. Jun 24, 202611-K EDGAR
  10. Jun 22, 20268-K EDGAR
  11. Jun 15, 20264 EDGAR
  12. Jun 11, 2026144 EDGAR
  13. May 8, 202610-Q EDGAR
  14. Apr 28, 20264 EDGAR
  15. Apr 22, 20268-K EDGAR
  16. Apr 22, 20268-K EDGAR
  17. Apr 15, 20268-K EDGAR
  18. Mar 20, 20268-K EDGAR
  19. Mar 18, 20264 EDGAR
  20. Mar 18, 20264 EDGAR

The 162 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

57 open-market trades by officers, directors and large owners since October 2021: 43 buys and 14 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 11, 2026PLUMMER MICHELLE MDirectorSale10,000$28.77$287.7KForm 4
Apr 28, 2026Brust JohnDirectorBuy2,041$24.50$50.0KForm 4
Apr 27, 2026Brust JohnDirectorBuy2,080$24.05$50.0KForm 4
Mar 18, 2026Hogan Peter W.DirectorBuy3,000$22.10$66.3KForm 4
Mar 18, 2026Hada Tejraj SDirectorBuy4,000$21.95$87.8KForm 4
Mar 17, 2026Hada Tejraj SDirectorBuy2,000$21.99$44.0KForm 4
Mar 5, 2026Barzee NickSVP and CFOBuy1,280$22.55$28.9KForm 4
Mar 2, 2026Cannucciari ChristopherDirectorBuy1,300$22.05$28.7KForm 4
Nov 18, 2025Hada Tejraj SDirectorBuy3,000$21.96$65.9KForm 4
Nov 18, 2025Antalek JohnEVP and CLOBuy1,500$22.00$33.0KForm 4
Nov 14, 2025Hada Tejraj SDirectorBuy366$22.00$8.1KForm 4
Nov 5, 2025Hada Tejraj SDirectorBuy1,500$22.52$33.8KForm 4
Nov 4, 2025Hada Tejraj SDirectorBuy45$22.20$999Form 4
Nov 3, 2025Hada Tejraj SDirectorBuy235$21.80$5.1KForm 4
Oct 29, 2025Gibson Donald EPresident and CEOBuy1,000$21.88$21.9KForm 4
Oct 29, 2025Cannucciari ChristopherDirectorBuy423$22.79$9.6KForm 4
Oct 28, 2025Cannucciari ChristopherDirectorBuy706$22.91$16.2KForm 4
Oct 24, 2025Cahalan Jay P.DirectorBuy4,300$22.73$97.7KForm 4
May 15, 2025Hada Tejraj SDirectorBuy388$22.95$8.9KForm 4
May 14, 2025Hada Tejraj SDirectorBuy6,612$22.95$151.7KForm 4

All 57 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • FMR LLCSCHEDULE 13G/A, 2 filings Nov 12, 2024 to Feb 12, 202551

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 78. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.667,689$22.4M0.0%−10,539
Vanguard Capital Management LLC492,107$16.5M0.0%+193,956
Geode Capital Management, LLC183,768$6.2M0.0%+16,844
State Street Corp129,019$4.3M0.0%+218
NewEdge Advisors, LLC109,206$3.7M0.0%−289
Dimensional Fund Advisors LP101,947$3.4M0.0%+9,340
Goldman Sachs Group Inc79,847$2.7M0.0%+11,656
Northern Trust Corp69,897$2.3M0.0%+18,931
Angel Oak Capital Advisors, LLC61,000$2.0M2.6%No change
Renaissance Technologies LLC52,200$1.8M0.0%+1,200
Vanguard Portfolio Management LLC47,851$1.6M0.0%+6,540
Vanguard Fiduciary Trust Co46,414$1.6M0.0%−6,004
Hsbc Holdings PLC40,222$1.4M0.0%−2,199
LPL Financial LLC39,852$1.3M0.0%−3,047
Raymond James Financial Inc34,948$1.2M0.0%No change
Morgan Stanley32,344$1.1M0.0%−2,143
Bank of New York Mellon Corp28,549$959.0K0.0%+2,688
Barclays PLC27,703$930.5K0.0%−868
Bayview Asset Management, LLC25,000$839.8K0.6%New
Aqr Capital Management LLC24,288$815.8K0.0%+7,723
Nuveen, LLC22,603$759.2K0.0%No change
Charles Schwab Investment Management Inc20,529$689.6K0.0%+1,889
Bank Of America Corp /de/19,145$643.1K0.0%−2,157
Two Sigma Investments, LP16,991$570.7K0.0%−2,585
Wells Fargo & Company/mn15,626$524.9K0.0%+1,325

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How GREENE COUNTY BANCORP INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARGREENE COUNTY BANCORP INC1
  • CIK0001070524
  • Employer ID (EIN)14-18097215
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
  • Incorporated inUnited States5
  • Fiscal year endsJune 301
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address302 Main Street, Catskill, NY 124141
  • Phone51894326001
  • Shares outstanding17,025,485 shares as of Sep 8, 20265
  • Public float$147.1M as of Dec 31, 20255
  • AuditorBonadio LLP, Pittsford, New York PCAOB ID 1884; it also attests to the company’s internal control over financial reporting5
  • On EDGAR sinceSep 18, 19981
  • Filings754 in all: 8-K (270), 4 (253), 10-Q (55), DEF 14A (30), 10QSB (28), 11-K (28), 10-K (18), 3 (11)1
    All 33 form types

    10KSB (8), 144 (5), DEFA14A (5), 4/A (4), 5 (4), ARS (4), UPLOAD (4), 8-K/A (3), PRE 14A (3), 10KSB40 (2), CORRESP (2), D (2), S-8 (2), SB-2/A (2), 10-K/A (1), 10KSB/A (1), 10QSB/A (1), 11-K/A (1), 424B3 (1), 8-A12G (1), 8-K15D5/A (1), SB-2 (1), SC 13D (1), SC 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Sep 9, 2026
    Quarterly report (10-Q) May 8, 2026
    Proxy statement (DEF 14A) Sep 25, 2026
    Latest 8-K (8-K) Sep 15, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.10 par valueGCBCThe Nasdaq Stock Market

From the cover page of the 10-K filed Sep 9, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

Legal proceedings

Legal Proceedings

The Company, including its subsidiaries, are not currently the subject of any material pending legal proceedings, other than ordinary routine litigation occurring in the normal course of their business. On an ongoing basis, the Company is often the subject of, or a party to, various legal claims by other parties against the Company, by the Company against other parties, or involving the Company, which arise in the normal course of business.

The opening of Item 3, Legal Proceedings.5

Sources

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