8-K current report · filed Jul 23, 2026

GREENE COUNTY BANCORP INC (GCBC) 8-K Current Report: July 23, 2026

Item 2.02Item EX-99.1GCBC overview

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GREENE COUNTY BANCORP INC (GCBC) filed an 8-K current report with the SEC on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Fiscal-year and quarterly results released for periods ended June 30, 2026.

GREENE COUNTY BANCORP INC 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Fiscal-year and quarterly results released for periods ended June 30, 2026
  • Press release included as Exhibit 99.1, providing the financial details investors should review
  • Disclosure furnished under Item 2.02, not deemed filed under Exchange Act Section 18

Item EX-99.1 · Exhibit EX-99.1

  • Fiscal 2026 net income reached record $41.0M, up 31.7%, with EPS rising to $2.41 from $1.83
  • Net interest margin expanded to 2.65% from 2.19%, driven by asset repricing and lower deposit funding costs
  • Loans grew 7.7% to $1.7B, while deposits increased 2.8% to $2.7B, supporting balance-sheet expansion
  • Credit metrics remained strong, though nonperforming loans rose to 0.23% of net loans from 0.19%
  • Return on equity improved to 15.91% from 14.08%, while efficiency ratio improved to 47.22% from 52.25%

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