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Greene County Bancorp GCBC Off-Balance Sheet Commitments (Contractual)

Off-Balance Sheet Commitments (Contractual) at other companies

CTB
Community Trust BancorpCTBI
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Center Bancorp logo
Center BancorpCNOB
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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:UnusedCommitmentsToExtendCredit.

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 off-balance sheet commitments (contractual)?
Greene County Bancorp (GCBC) reported off-balance sheet commitments (contractual) of $240.16M in Q1 2026.
How has Greene County Bancorp's off-balance sheet commitments (contractual) changed year-over-year?
Greene County Bancorp's off-balance sheet commitments (contractual) decreased by 5.2% year-over-year, from $253.34M to $240.16M.
What is the long-term trend for Greene County Bancorp's off-balance sheet commitments (contractual)?
Over 2 years (2023 to 2025), Greene County Bancorp's off-balance sheet commitments (contractual) has grown at a 12.1% compound annual growth rate (CAGR), from $219.58M to $276.08M.
What does off-balance sheet commitments (contractual) mean?
This metric quantifies the total contractual value of lending commitments, such as lines of credit or loan guarantees, that have not yet been recognized as assets on the balance sheet. It represents the potential future funding obligations the bank may be required to fulfill to its customers. High levels of these commitments indicate significant potential for future loan growth but also represent contingent liquidity demands.