This is a routine investor presentation with no new guidance or material surprises. The strong asset quality (NPA/assets 0.10%) and improving NIM (3.03%) are positive, but expense growth (+12.3%) and noninterest income decline (-4.1%) warrant monitoring. Watch the next 10-Q for expense trajectory and loan growth sustainability.
Price Chart
Executive Summary
Greene County Bancorp filed an 8-K furnishing an investor presentation for meetings with institutional investors. The presentation highlights strong Q3 FY2026 results: MRQ net income of $10.5M, ROAA of 1.37%, ROAE of 16.02%, NIM (FTE) of 3.03%, and nonperforming assets/assets of just 0.10%. Total assets grew 4.6% YTD to $3.2B, and the quarterly dividend was increased 11.1% to $0.40 annualized. This is a routine investor relations update with no new material financial disclosures beyond previously reported results.
Key Facts
- MRQ net income of $10.5 million for the quarter ended March 31, 2026
- MRQ ROAA of 1.37% and MRQ ROAE of 16.02%
- MRQ net interest margin (FTE) of 3.03%
- Nonperforming assets / total assets of 0.10%
- Total assets of $3.2 billion at March 31, 2026, up 4.6% from $3.0 billion at June 30, 2025
- Shareholders' equity increased to $267.6 million from $238.8 million at June 30, 2025
- Quarterly cash dividend increased 11.1% to $0.40 annualized ($0.10 per quarter)
- Tangible common equity / tangible assets improved to 8.41% from 7.85% at fiscal year-end 2025
- Noninterest income decreased 4.1% to $3.7 million vs prior-year quarter
- Noninterest expense increased 12.3% to $11.3 million vs prior-year quarter
Financial Impact
MRQ net income $10.5M; total assets $3.2B; NIM FTE 3.03%; NPA/assets 0.10%
Risk Factors
- Noninterest expense increased 12.3% year-over-year, outpacing revenue growth
- Noninterest income declined 4.1% year-over-year
- Elevated cost of deposits (2.23% MRQ) may pressure NIM if rate environment shifts
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001140361-26-025931 |
| Document: ef20076582_8k.htm | 0001140361-26-025931 |
| Document: 0001140361-26-025931-index-headers.html | 0001140361-26-025931 |
| Document: 0001140361-26-025931-index.html | 0001140361-26-025931 |
| Document: 0001140361-26-025931.txt | 0001140361-26-025931 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $36.01 | awaiting T+60 | — | $35.60 (−1.14%) |
Oct 22, 2026 4d ago | Press Release | $36.01 | awaiting T+60 | — | $35.60 (−1.14%) |
Oct 21, 2026 5d ago | 8-K | $34.57 | awaiting T+60 | — | $35.60 (+2.98%) |
Oct 21, 2026 5d ago | Press Release | $34.57 | awaiting T+60 | — | $35.60 (+2.98%) |
Sep 25, 2026 4w ago | DEFA14A | $34.46 | awaiting T+60 | — | $35.60 (+3.31%) |
Sep 25, 2026 4w ago | DEF 14A | $34.46 | awaiting T+60 | — | $35.60 (+3.31%) |
Sep 15, 2026 5w ago | 8-K | $36.02 | awaiting T+60 | — | $35.60 (−1.17%) |
Jul 23, 2026 13w ago | 8-K | $32.68 $34.25 | ▲ +4.82% | ▲ +0.27% | $35.60 (+8.95%) |
Jul 22, 2026 13w ago | 8-K | $32.60 $34.25 | ▲ +5.06% | ▲ +1.80% | $35.60 (+9.20%) |
Jun 22, 2026 18w ago | 8-K | $29.09 $36.02 | ▲ +23.82% | ▲ +22.08% | $35.60 (+22.38%) |
US Market Status
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