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

Greene County Bancorp (GCBC) reported provision for credit losses of $451K in Q1 2026.

How has Greene County Bancorp's provision for credit losses changed year-over-year?

Greene County Bancorp's provision for credit losses decreased by 58.4% year-over-year, from $1.08M to $451K.

What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

Greene County Bancorp GCBC Provision for Credit Losses

Provision for Credit Losses at other companies

KeyCorpKEY

$106M-10.2%

Trustco Bank CorpTRST

$950K+217%

Farmers & Merchants BancorpFMAO

$6K+102%

Midland States BancorpMSBI

$5M-53.9%

Citizens Financial Services, Inc.CZFS

$500K-20.0%

West BancorporationWTBA

$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

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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

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:ProvisionForLoanLeaseAndOtherLosses.

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 provision for credit losses?: Greene County Bancorp (GCBC) reported provision for credit losses of $451K in Q1 2026.
How has Greene County Bancorp's provision for credit losses changed year-over-year?: Greene County Bancorp's provision for credit losses decreased by 58.4% year-over-year, from $1.08M to $451K.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.