What is Greene County Bancorp's allowance for credit losses?

Greene County Bancorp (GCBC) reported allowance for credit losses of $0 in Q1 2026.

What is the long-term trend for Greene County Bancorp's allowance for credit losses?

Over 4 years (2021 to 2025), Greene County Bancorp's allowance for credit losses has grown at a -100.0% compound annual growth rate (CAGR), from $391K to $0.

What does allowance for credit losses mean?

Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.

Greene County Bancorp GCBC Allowance for credit losses

Allowance for credit losses at other companies

KeyCorpKEY

$1.45B+1.4%

Trustco Bank CorpTRST

$5.26B+3.4%

Midland States BancorpMSBI

$67.88M-35.5%

Home BancorpHBCP

$33.68M+1.2%

Citizens Financial Services, Inc.CZFS

$1.52M+99.1%

Blue Ridge BanksharesBRBS

$19.18M-17.0%

Other financials

Income statement

See full

Revenue$23.9M+19.0%

Net income$10.5M+30.6%

EPS (diluted)$0.62+31.9%

Balance sheet

See full

Cash & equivalents$139.5M-10.3%

Total debt$75.5M+71.7%

Total equity$267.6M+16.8%

Total assets$3.2B+5.8%

Cash flow

See full

Operating cash flow$10.7M+46.1%

CapEx$13.0K-75.0%

Free cash flow$10.7M+46.9%

Valuation

See full

Market cap$518.43M+38.7%

Enterprise value$454.43M+73.2%

P/E13.3×+0.2×

P/S5.9×+0.7×

Profitability

See full

Net margin44.3%+4.4pp

FCF margin41.3%+5.9pp

Returns & leverage

See full

Return on equity15.7%+2.4pp

Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Greene County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss.

The official record: Greene County Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Greene County Bancorp's allowance for credit losses?: Greene County Bancorp (GCBC) reported allowance for credit losses of $0 in Q1 2026.
What is the long-term trend for Greene County Bancorp's allowance for credit losses?: Over 4 years (2021 to 2025), Greene County Bancorp's allowance for credit losses has grown at a -100.0% compound annual growth rate (CAGR), from $391K to $0.
What does allowance for credit losses mean?: Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.