Greene County Bancorp, Inc. (GCBC)

Greene County Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	83.83	79.98	71.54	60.05	47.13	45.28
Interest Income on Investments	37.73	37.73	32.12	24.58	16.32	13.05
Total Interest Income	121.56	117.71	103.66	84.63	63.44	58.33
Interest Paid on Deposits	54.53	55.06	49.71	20.06	3.48	4.22
Interest Paid on Borrowings	2.53	2.53	2.97	3.35	1.96	0.96
Total Interest Expense	57.05	57.58	52.69	23.41	5.44	5.18
Net Interest Income	64.51	60.12	50.98	61.22	58.01	53.15
Net Interest Income Growth (YoY)	27.29%	17.93%	-16.73%	5.54%	9.14%	18.54%
Gain (Loss) on Sale of Investments	-0.67	-0.67	-	-0.25	-	-
Other Non-Interest Income	10.66	10.41	9.27	7.68	7.7	6.25
Total Non-Interest Income	14.87	14.62	13.91	12.15	12.14	9.67
Non-Interest Income Growth (YoY)	3.67%	5.14%	14.51%	0.07%	25.55%	11.76%
Revenues Before Loan Losses	79.38	74.74	64.89	73.36	70.14	62.81
Provision for Loan Losses	1.94	1.32	0.77	-1.07	3.28	3.97
Revenue	77.44	73.43	64.12	74.44	66.86	58.84
Revenue Growth (YoY)	20.85%	14.52%	-13.86%	11.32%	13.64%	18.68%
Salaries and Employee Benefits	21.13	21.13	20.22	18.82	16.23	15.01
Federal Deposit Insurance	1.37	1.37	1.29	1.09	0.83	0.74
Selling, General & Administrative	13.11	13.11	12.7	15.68	13.58	12.66
Other Non-Interest Expense	3.66	3.15	3.1	3.03	3.33	2.82
Total Non-Interest Expense	39.27	38.76	37.3	38.61	33.96	31.22
EBT Excluding Unusual Items	38.17	34.67	26.82	35.83	32.91	27.62
Pretax Income	38.17	34.67	26.82	35.83	32.91	27.62
Income Tax Expense	4.42	3.53	2.05	5.04	4.92	3.67
Net Income	33.75	31.14	24.77	30.79	27.99	23.94
Net Income to Common	33.75	31.14	24.77	30.79	27.99	23.94
Net Income Growth	37.40%	25.71%	-19.54%	10.00%	16.89%	27.85%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	-	-	-	-	-	-0.19%
EPS (Basic)	1.98	1.83	1.45	1.81	1.64	1.41
EPS (Diluted)	1.98	1.83	1.45	1.81	1.64	1.40
EPS Growth	37.86%	26.12%	-19.80%	10.25%	16.73%	27.99%
Dividend Per Share	0.380	0.370	0.330	0.290	0.265	0.245
Dividend Growth	11.77%	12.12%	13.79%	9.43%	8.16%	8.89%
Effective Tax Rate	11.58%	10.18%	7.64%	14.07%	14.95%	13.30%

Updated Oct 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q