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Companies / Financials / GREENE COUNTY BANCORP INC
GCBC

GREENE COUNTY BANCORP INC

FinancialsBanks & Brokers
Ticker GCBCCATSKILL, NYFiscal year ends JuneBook value per share $16.32Diluted shares 17.0M

Greene County Bancorp, Inc. (NASDAQ: GCBC) operates as a federally chartered holding company for the Bank of Greene County, a federally chartered savings bank serving the Hudson Valley and Capital District regions of New York State. The company's website is www.tbogc.com. From the company’s description.

Fiscal year 2026 · ends 06-30Changes are against fiscal 2025
Sales & profitability
$92.58M
+22.9% year over year
50.58%
+4.6 percentage points
$41.02M
+31.7% year over year
14.77%
+1.7 percentage points
Cash & financing
$42.30M
+51.2% year over year
$41.56M
+52.3% year over year
10.32
Was 11.59× a year earlier
17.0M
No change, year over year

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What GREENE COUNTY BANCORP INC does

In the company’s own words

Greene County Bancorp, Inc. (NASDAQ: GCBC) operates as a federally chartered holding company for the Bank of Greene County, a federally chartered savings bank serving the Hudson Valley and Capital District regions of New York State. The company's website is www.tbogc.com.

The Bank of Greene County, organized in 1889 originally as The Building and Loan Association of Catskill, represents the core operating subsidiary providing retail, commercial, and municipal banking services. As of June 30, 2026, the consolidated company maintained total assets of $3.18 billion, deposits of $2.71 billion, and equity of $278 million. The company operates 19 full-service banking offices alongside lending centers, an operations center, customer call center, administration center, and wealth management center throughout its primary market area encompassing Greene, Columbia, Albany, Ulster, Rensselaer, and Saratoga counties in New York.

The Bank's principal business involves attracting deposits and deploying capital primarily into residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans, and commercial business loans. The company maintains a conservative underwriting approach, avoiding subprime and exotic loan products. Revenue derives principally from interest on residential and commercial real estate mortgages, consumer and commercial loans, mortgage-backed securities, state and municipal securities, and service charges including debit card fees, deposit account fees, and loan origination fees. The company also offers investment alternatives through Greene Investment Services via Osaic Institutions, Inc.

Greene County Bancorp operates limited-purpose subsidiary Greene County Commercial Bank, chartered under New York law to accept deposits from governmental entities and municipalities, which held $1.25 billion in deposits as of June 30, 2026. The company also owns Greene Property Holdings, Ltd., a real estate investment trust formed in 2011 that holds certain mortgages and notes while the Bank continues servicing these customers.

As of June 30, 2026, the company employed 203 full-time and 24 part-time employees with average tenure of approximately 7.1 years. Greene County Bancorp, MHC, a federal mutual holding company formed in 1998, owns 54.1 percent of Greene County Bancorp, Inc.'s outstanding common stock, with remaining shares held by public stockholders and the Bank's Employee Stock Ownership Plan.

Company details
Sector
Financials
Industry
Banks & Brokers
Headquarters
CATSKILL, NY
Fiscal year end
June
CIK
1070524
SIC
6036

Financial performance, year by year

Fiscal 2012–2026 · USD
$-9.26M$18.52M$46.29M$74.06M$101.84M201220132014201520162017201820192020202120222023202420252026

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns GREENE COUNTY BANCORP INC — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

114
funds hold it
0 of 35
superinvestors hold it
$38.94M
held by funds, at market
7.3%
of shares held by funds

Largest fund holders · GREENE COUNTY BANCORP INC’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 Value ETF
IWN · iShares Trust
0.01%of fund net assets
Fidelity Small Cap Index Fund
FSSNX · Fidelity Salem Street Trust
0.01%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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