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Greene County Bancorp GCBC Time deposits

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Other financials

Income statement

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Revenue$23.9M+19.0%
Net income$10.5M+30.6%
EPS (diluted)$0.62+31.9%

Balance sheet

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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

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Operating cash flow$10.7M+46.1%
CapEx$13.0K-75.0%
Free cash flow$10.7M+46.9%

Valuation

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Market cap$518.43M+38.7%
Enterprise value$454.43M+73.2%
P/E13.3×+0.2×
P/S5.9×+0.7×

Profitability

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Net margin44.3%+4.4pp
FCF margin41.3%+5.9pp

Returns & leverage

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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:TimeDeposits.

The official record: Greene County Bancorp’s 10-K, filed September 5, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Greene County Bancorp's time deposits?
Greene County Bancorp (GCBC) reported time deposits of $228.17M in Q2 2025.
How has Greene County Bancorp's time deposits changed year-over-year?
Greene County Bancorp's time deposits increased by 64.8% year-over-year, from $138.49M to $228.17M.
What is the long-term trend for Greene County Bancorp's time deposits?
Over 4 years (2021 to 2025), Greene County Bancorp's time deposits has grown at a 60.0% compound annual growth rate (CAGR), from $34.79M to $228.17M.
What does time deposits mean?
This represents the aggregate balance of interest-bearing deposit accounts with a fixed maturity date, such as certificates of deposit. These instruments are a primary source of funding for lending activities and are essential for managing the bank's net interest margin.