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Greene County Bancorp GCBC Interest Expense, Deposits

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Other financials

Income statement

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Revenue$25.0M+22.0%
Net income$11.3M+21.5%
EPS (diluted)$0.67+21.8%

Balance sheet

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Cash & equivalents$144.9M-20.9%
Total debt$119.0M+55.8%
Total equity$277.8M+16.3%
Total assets$3.2B+4.7%

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$584.14M+47.2%
Enterprise value$558.24M+92.5%
P/E14.2×+1.5×
P/S6.3×+1.0×

Profitability

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Net margin44.3%+3.0pp
FCF margin41.3%+5.9pp

Returns & leverage

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Return on equity15.9%+1.9pp
Debt / equity0.4×+0.1×

Where this comes from

Reported directly by Greene County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseDeposits.

The source filing: Greene County Bancorp’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 10:10 AM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q1 2026
Accession
0001140361-26-019837
Line itemFor the three months ended March 31, 2026For the three months ended March 31, 2025For the nine months ended March 31, 2026For the nine months ended March 31, 2025
Interest-bearing deposits and federal funds sold3577311,7412,817
Total interest income32,57829,77997,69886,966
Interest expense:
Interest on deposits11,97512,99939,26341,543
Interest on borrowings4175691,6702,008
Total interest expense12,39213,56840,93343,551
Net interest income20,18616,21156,76543,415
Provision for credit losses4511,0841,9072,196

Cover / Front Matter

FAQ

What is Greene County Bancorp's interest expense, deposits?
Greene County Bancorp (GCBC) reported interest expense, deposits of $11.98M in Q1 2026.
How has Greene County Bancorp's interest expense, deposits changed year-over-year?
Greene County Bancorp's interest expense, deposits decreased by 7.9% year-over-year, from $13M to $11.98M.
What is the long-term trend for Greene County Bancorp's interest expense, deposits?
Over 3 years (2022 to 2025), Greene County Bancorp's interest expense, deposits has grown at a 151.1% compound annual growth rate (CAGR), from $3.48M to $55.06M.
What does interest expense, deposits mean?
The total interest expense paid to depositors for maintaining interest-bearing accounts. This is a critical component of the bank's cost of funds and directly impacts the net interest margin.

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