The bank maintains a conservative capital structure with an equity-to-assets ratio of 8% and total assets that have expanded to $3.2 billion as of 2026Q3.
| Metric | TTM | Jun'25 | Jun'24 | Jun'23 | Jun'22 | Jun'21 | Jun'20 | Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 | Jun'09 | Jun'08 | Jun'07 | Jun'06 | Jun'05 | Jun'04 | Jun'03 | Jun'02 | Jun'01 | Jun'00 | Jun'99 | Jun'98 |
|---|
| Cash & Short Term Investments | 1.98B | 504.34M | 543.23M | 482.15M | 481.18M | 545.22M | 271.24M | 155.14M | 149.69M | 109.91M | 118.23M | 102.8M | 70.21M | 76.12M | 95.05M | 9.97M | 10.64M | 9.64M | 7.3M | 11.13M | 12.22M | 10.87M | 12.93M | 16.92M | 7.41M | 5.34M | 6.01M | 2.8M | 8.27M |
| Cash & Due from Banks | 140.68M | 184.5M | 193.23M | 201.02M | 73.12M | 154.33M | 44.53M | 32.41M | 28.89M | 18.42M | 18.11M | 16.77M | 14.06M | 6.47M | 7.52M | 9.97M | 10.64M | 9.64M | 7.3M | 11.13M | 12.22M | 10.87M | 12.93M | 16.92M | 7.41M | 5.34M | 6.01M | 2.8M | 8.27M |
| Short Term Investments | 351.97M | 319.84M | 350M | 281.13M | 408.06M | 390.89M | 226.71M | 122.73M | 120.81M | 91.48M | 100.12M | 86.03M | 56.15M | 69.64M | 87.53M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.91B | 2.74B | 2.52B | 2.4B | 2.4B | 1.97B | 1.6B | 1.21B | 1.1B | 939.5M | 827.82M | 698.53M | 637.41M | 605.59M | 560.67M | 515.34M | 462.91M | 429.51M | 351.59M | 294.46M | 277.36M | 263.14M | 253.77M | 232.04M | 194.46M | 158.63M | 142.63M | 140.5M | 80.26M |
| Investments Growth % | 32.37% | 8.69% | 5.24% | -0.17% | 21.55% | 23.06% | 32.25% | 10.27% | 17.08% | 13.49% | 18.51% | 9.59% | 5.25% | 8.01% | 8.8% | 11.33% | 7.78% | 22.16% | 19.4% | 6.17% | 5.4% | 3.69% | 9.36% | 19.32% | 22.59% | 11.22% | 1.51% | 75.06% | - |
| Long-Term Investments | 9.95B | 2.42B | 2.17B | 2.11B | 1.99B | 1.58B | 1.38B | 1.09B | 979.2M | 848.02M | 727.7M | 612.5M | 581.25M | 535.95M | 473.14M | 515.34M | 462.91M | 429.51M | 351.59M | 294.46M | 277.36M | 263.14M | 253.77M | 232.04M | 194.46M | 158.63M | 142.63M | 140.5M | 80.26M |
| Accounts Receivables | 20.07M | 16.38M | 14.27M | 12.25M | 8.92M | 7.78M | 8.21M | 5.85M | 5.06M | 4.03M | 3.61M | 3.03M | 2.71M | 2.66M | 2.69M | 2.72M | 2.73M | 2.45M | 2.14M | 1.96M | 1.74M | 1.57M | 1.55M | 1.57M | 1.45M | 1.36M | 1.16M | 1.1M | 1.09M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 15.02M | 15.23M | 15.61M | 15.03M | 14.36M | 14.14M | 13.66M | 13.26M | 13.3M | 13.62M | 14.18M | 14.52M | 14.31M | 14.35M | 14.9M | 15.41M | 14.8M | 15.27M | 15.11M | 13.71M | 10.8M | 7.8M | 5.34M | 4.7M | 4.96M | 5.05M | 5.11M | 3.5M | 2.71M |
| Other Assets | 94.6M | 84.62M | 81.78M | 57.05M | 60.57M | 41.58M | 1.23M | 1.81M | 1.66M | 2.93M | 3.12M | 3.34M | 2.03M | 1.68M | 2.23M | 2.36M | 1.87M | 2.51M | 3.48M | 4.57M | 5.45M | 11.3M | 10.99M | 1.73M | 11.87M | 14.73M | 12.82M | 4.7M | 47.78M |
| Total Current Assets | 512.72M | 520.73M | 557.5M | 511.88M | 505.33M | 561.45M | 284.47M | 164.2M | 157.31M | 117.73M | 123.78M | 108.3M | 76.56M | 81.63M | 100.39M | 14.42M | 15.75M | 13.24M | 9.44M | 13.08M | 13.95M | 12.44M | 14.48M | 18.49M | 8.86M | 6.69M | 7.18M | 3.9M | 9.51M |
| Total Non-Current Assets | 2.67B | 2.52B | 2.27B | 2.19B | 2.07B | 1.64B | 1.39B | 1.11B | 994.17M | 864.56M | 745M | 630.35M | 597.6M | 551.98M | 490.27M | 533.11M | 479.58M | 447.3M | 370.17M | 312.74M | 293.61M | 282.24M | 270.1M | 238.47M | 211.3M | 178.41M | 160.56M | 148.7M | 130.75M |
| Total Assets | 3.18B | 3.04B | 2.83B | 2.7B | 2.57B | 2.2B | 1.68B | 1.27B | 1.15B | 982.29M | 868.78M | 738.65M | 674.16M | 633.61M | 590.66M | 547.52M | 495.32M | 460.54M | 379.61M | 325.83M | 307.56M | 294.68M | 284.58M | 256.97M | 220.16M | 185.1M | 167.73M | 152.6M | 140.25M |
| Asset Growth % | 25.87% | 7.6% | 4.73% | 4.92% | 16.88% | 31.22% | 32.09% | 10.25% | 17.22% | 13.07% | 17.62% | 9.57% | 6.4% | 7.27% | 7.88% | 10.54% | 7.55% | 21.32% | 16.51% | 5.94% | 4.37% | 3.55% | 10.75% | 16.72% | 18.94% | 10.36% | 9.92% | 8.8% | - |
| Return on Assets (ROA) | 1.26% | 1.06% | 0.9% | 1.17% | 1.17% | 1.23% | 1.27% | 1.44% | 1.35% | 1.21% | 1.12% | 1.02% | 1% | 1.04% | 1.02% | 1.01% | 1.02% | 0.97% | 0.77% | 0.71% | 0.74% | 1.02% | 1.08% | 0.92% | 0.82% | 0.54% | 0.6% | 0.61% | 0.82% |
| Accounts Payable | 0 | 0 | 0 | 28.34M | 28.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 455.91K | 400K | 0 |
| Total Debt | 107.34M | 128.06M | 199.14M | 49.49M | 173.01M | 22.64M | 25.48M | 21.6M | 18.15M | 29.55M | 46.4M | 41.7M | 17.65M | 14.6M | 21M | 26.3M | 26.1M | 19M | 20M | 5M | 5M | 7.5M | 10M | 8M | 9M | 5M | 10M | 0 | 0 |
| Net Debt | -33.33M | -56.45M | 5.91M | -151.53M | 99.89M | -131.68M | -19.05M | -10.81M | -10.74M | 11.13M | 28.3M | 24.93M | 3.59M | 8.13M | 13.48M | 16.33M | 15.46M | 9.36M | 12.7M | -6.13M | -7.22M | -3.37M | -2.93M | -8.92M | 1.59M | -336.19K | 3.99M | -2.8M | -8.27M |
| Long-Term Debt | 34.14M | 54.06M | 83.84M | 49.49M | 49.31M | 19.64M | 7.6M | 13.6M | 18.15M | 22.65M | 20.3M | 18.8M | 14.5M | 4M | 7M | 12M | 17M | 19M | 19M | 5M | 5M | 5M | 7.5M | 7M | 0 | 0 | 5M | 0 | 0 |
| Short-Term Debt | 73.2M | 74M | 115.3M | 0 | 123.7M | 3M | 17.88M | 8M | 0 | 6.9M | 26.1M | 22.9M | 3.15M | 10.6M | 14M | 14.3M | 9.1M | 0 | 1M | 0 | 0 | 2.5M | 2.5M | 1M | 9M | 5M | 5M | 0 | 0 |
| Other Liabilities | 33.66M | 33.88M | 31.43M | -28.34M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.91M | 1.24M | 734K | 1.19M | 942K | 1.72M | 911.96K | 623.04K | 0 | 0 | 509.31K |
| Total Current Liabilities | 2.85B | 2.71B | 2.5B | 2.49B | 2.36B | 2.03B | 1.54B | 1.14B | 1.04B | 876.12M | 774.18M | 652.93M | 598.46M | 573.5M | 530.99M | 487.44M | 433.82M | 401.27M | 322.43M | 284.18M | 268.25M | 255.74M | 246.31M | 219.12M | 192.84M | 159.39M | 139.14M | 128.7M | 124.01M |
| Total Non-Current Liabilities | 67.81M | 87.94M | 115.27M | 21.15M | 49.31M | 19.64M | 7.6M | 13.6M | 18.15M | 22.65M | 20.3M | 18.8M | 14.5M | 4M | 7M | 12M | 17M | 19M | 20.91M | 6.24M | 5.73M | 6.19M | 8.44M | 8.72M | 911.96K | 623.04K | 5M | 0 | 509.31K |
| Total Liabilities | 2.91B | 2.8B | 2.62B | 2.52B | 2.41B | 2.05B | 1.55B | 1.16B | 1.06B | 898.77M | 794.48M | 671.73M | 612.96M | 577.5M | 537.99M | 499.44M | 450.82M | 420.27M | 343.34M | 290.41M | 273.98M | 261.93M | 254.75M | 227.84M | 193.76M | 160.01M | 144.14M | 128.7M | 124.52M |
| Total Equity | 267.59M | 238.84M | 206M | 183.28M | 157.71M | 149.58M | 128.81M | 112.37M | 96.19M | 83.52M | 74.3M | 66.92M | 61.2M | 56.11M | 52.66M | 48.08M | 44.5M | 40.26M | 36.27M | 35.41M | 33.58M | 32.75M | 29.83M | 29.12M | 26.4M | 25.09M | 23.59M | 23.9M | 15.73M |
| Equity Growth % | 65.74% | 15.94% | 12.39% | 16.21% | 5.44% | 16.13% | 14.63% | 16.82% | 15.17% | 12.41% | 11.03% | 9.35% | 9.08% | 6.54% | 9.53% | 8.04% | 10.53% | 11.02% | 2.41% | 5.46% | 2.53% | 9.81% | 2.41% | 10.32% | 5.21% | 6.36% | -1.28% | 51.94% | - |
| Equity / Assets (Capital Ratio) | 8.41% | 7.85% | 7.29% | 6.79% | 6.13% | 6.8% | 7.68% | 8.85% | 8.35% | 8.5% | 8.55% | 9.06% | 9.08% | 8.86% | 8.92% | 8.78% | 8.98% | 8.74% | 9.55% | 10.87% | 10.92% | 11.11% | 10.48% | 11.33% | 11.99% | 13.56% | 14.07% | 15.66% | 11.22% |
| Return on Equity (ROE) | 15.41% | 14% | 12.73% | 18.06% | 18.21% | 17.2% | 15.53% | 16.77% | 16.03% | 14.18% | 12.69% | 11.22% | 11.13% | 11.71% | 11.57% | 11.43% | 11.53% | 10.68% | 7.59% | 6.55% | 6.76% | 9.43% | 9.88% | 7.94% | 6.42% | 3.93% | 4.03% | 4.54% | 7.31% |
| Book Value per Share | 15.72 | 14.03 | 12.10 | 10.76 | 9.26 | 8.79 | 7.55 | 6.58 | 5.64 | 4.91 | 4.38 | 3.94 | 3.61 | 3.32 | 3.14 | 2.89 | 2.69 | 2.44 | 2.18 | 2.11 | 2.01 | 1.94 | 1.80 | 1.79 | 1.64 | 1.57 | 1.47 | 1.49 | 0.98 |
| Tangible BV per Share | 15.72 | 14.03 | 12.10 | 10.76 | 9.26 | 8.79 | 7.55 | 6.58 | 5.64 | 4.91 | 4.38 | 3.94 | 3.61 | 3.32 | 3.14 | 2.89 | 2.69 | 2.44 | 2.18 | 2.11 | 2.01 | 1.94 | 1.80 | 1.79 | 1.64 | 1.57 | 1.47 | 1.49 | 0.98 |
| Common Stock | 1.72M | 1.72M | 1.72M | 1.72M | 1.72M | 861K | 861K | 861K | 861K | 861K | 861K | 431K | 431K | 431K | 431K | 431K | 431K | 431K | 431K | 431K | 431K | 431K | 215K | 215.28K | 215.28K | 215.28K | 215.28K | 0 | 0 |
| Additional Paid-in Capital | 10.16M | 10.16M | 10.16M | 10.16M | 10.16M | 11.02M | 11.02M | 11.02M | 11.02M | 10.99M | 10.87M | 11.22M | 11.21M | 11.17M | 11.12M | 11M | 10.67M | 10.51M | 10.27M | 10.32M | 10.3M | 10.13M | 10.15M | 10.09M | 10.08M | 10.19M | 10.32M | 0 | 0 |
| Retained Earnings | 267.82M | 241.4M | 214.74M | 193.72M | 165.13M | 139.78M | 118.26M | 101.77M | 86.21M | 73.07M | 63.8M | 56.7M | 51.3M | 46.11M | 41.87M | 37.34M | 33.69M | 30.05M | 27.18M | 25.96M | 24.59M | 23.17M | 21M | 18.78M | 17.16M | 15.99M | 15.53M | 16.4M | 15.49M |
| Accumulated OCI | -11.2M | -13.54M | -19.71M | -21.41M | -18.38M | -1.16M | -428K | -1.01M | -1.62M | -992K | -725K | -798K | -1.05M | -750K | 173K | 519K | 1.12M | 792K | -28K | -469K | -878K | -34K | -486K | 1.23M | 307.93K | -227.37K | -1.45M | 0 | 242.4K |
| Treasury Stock | -908K | -908K | -908K | -908K | -908K | -908K | -908K | -277K | -277K | -410K | -512K | -629K | -694K | -853K | -928K | -1.21M | -1.41M | -1.51M | -1.59M | -828K | -860K | -942K | -1.06M | -1.19M | -1.37M | -1.08M | -1.02M | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE concentration in Hudson Valley
According to recent financial disclosures, GCBC has grown its total assets from $2.7 billion in 2024Q2 to $3.2 billion by 2026Q3, a trend primarily driven by the expansion of its investment securities portfolio rather than aggressive, high-risk loan book growth.
The bank's asset trajectory suggests a deliberate strategy of balance sheet expansion that prioritizes liquidity and interest-bearing securities over rapid credit extension. This approach appears to mitigate immediate credit risk while providing a stable, albeit lower-yielding, foundation for future interest income.
As reported in quarterly filings, GCBC maintains a consistent equity-to-assets ratio of approximately 8%, a level that reflects the bank's conservative capital management philosophy inherent in its mutual holding company structure and long-term focus on institutional stability.
The stability of the equity-to-assets ratio indicates that management is successfully balancing organic growth with capital retention. This capital position appears sufficient to absorb potential volatility in the Hudson Valley real estate market without necessitating immediate external equity dilution.
Based on the bank's reported figures, cash and cash equivalents stood at $140.7 million in 2026Q3, providing a necessary liquidity cushion to manage the inherent volatility of municipal deposit flows and seasonal tax collection cycles within the core operating region.
The bank's liquidity profile appears robust, supported by a significant investment securities portfolio that can be leveraged if deposit outflows accelerate. Investors should monitor whether this liquidity remains sufficient as the bank continues its expansion into the more competitive Albany metropolitan market.
Data from recent financial statements highlights a significant concentration in commercial real estate and multi-family mortgages, which warrants further investigation into the potential impact of regional property value fluctuations on the bank's long-term asset quality and provision requirements.
While the current provision for credit losses remains modest, the bank's heavy reliance on local real estate collateral suggests a latent risk that may not be fully captured in current performance metrics. A downturn in the Hudson Valley property market could necessitate a rapid increase in provisioning, potentially straining future earnings.
Quick answers to the most common questions about buying GCBC stock.
As of 2025, Greene County Bancorp, Inc. (GCBC) had total assets of $3.04B including $520.7M in current assets.
Greene County Bancorp, Inc. (GCBC) carries total debt of $128.1M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Greene County Bancorp, Inc. (GCBC) has total shareholders' equity (book value) of $238.8M ($14.03 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Greene County Bancorp, Inc. (GCBC) reported a current ratio of 0.19x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.