Greene County Bancorp, Inc. · NASDAQ:GCBC
Greene County Bancorp — Investor Presentation (March 2026)
25 slides from Greene County Bancorp's investor presentation, Mar 9, 2026
Slide 1: March 2026 Investor Presentation
March 2026 Investor Presentation
Slide 2: Forward-Looking Statements / Non-GAAP Disclosures
2 Forward-Looking Statements / Non-GAAP Disclosures Forward-Looking Statements This presentation contains statements about future events that constitute forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by ref
Slide 3: Greene County Bancorp, Inc. Overview
3 Greene County Bancorp, Inc. Overview As of December 31, 2025 Number of Shares Ownership Owned by Greene County Bancorp, MHC 9,218,528 54.1% Owned by Public Shareholders 7,808,300 45.9% Total Shares Outstanding 17,026,828 17,026,828 Shareholder Ownership as of December 31, 2025 Financial Summary De
Slide 4: Organization with Deep Roots in the Communities it Serves
4 2000 2001 2002 Note: Fiscal year ended June 30 Source: S&P Capital IQ Pro Organization with Deep Roots in the Communities it Serves Greene County Bancorp, Inc. (Nasdaq: GCBC) is the holding company for the Bank of Greene County and its subsidiary Greene County Commercial Bank, serving New York’s H
Slide 5: Strong Commitment to Upstate New York Market
5 1) Clifton Park, NY branch opened on October 15, 2025 Note: Star denotes GCBC’s headquarters; Deposit market share data as of June 30, 2025 Source: S&P Capital IQ Pro Strong Commitment to Upstate New York Market Deposit Market Share by County Branch Map GCBC (19) Headquarters (1) Deposits Market C
Slide 6: Most Recent Quarter Financial Highlights
6 Source: S&P Capital IQ Pro; Company documents Most Recent Quarter Financial Highlights Selected Highlights Key Statistics Balance Sheet Total assets of the Company were $3.1 billion at December 31, 2025 and $3.0 billion at December 31, 2024, an increase of $181.2 million, or 6% Shareholders’ equit
Slide 7: Demonstrated Ability to Drive Balance Sheet Growth
$2,200 $2,572 $2,698 $2,826 $3,041 $3,147 2021 2022 2023 2024 2025 MRQ $1,106 $1,252 $1,409 $1,499 $1,627 $1,687 2021 2022 Tangible Common Equity¹ ($M) 2023 2024 2025 MRQ $150 $158 $183 $206 $239 $258 2021 2022 2023 2024 2025 MRQ $2,005 $2,213 $2,437 $2,389 $2,640 $2,641 2021 2022 2023 2024 2025 MRQ
Slide 8: High-Performing Profitability
High-Performing Profitability Efficiency Ratio (%) 2021 2022 Net Interest Margin FTE (%)¹ Return on Average Equity (%) Return on Average Assets (%) 17.41% 17.93% 18.13% 12.87% 14.08% 16.27% 2021 2022 2023 2024 2025 MRQ 1.24% 1.18% 1.19% 0.93% 1.10% 1.33% 2023 2024 2025 MRQ 2.97% 2.69% 2.66% 2.25% 2.
Slide 9: Well-Positioned to Grow
Well-Positioned to Grow 2021 2022 2023 2024 2025 MRQ Bank Level Tier 1 Risk Based Capital Ratio (%) 2021 2022 2023 2024 Bank Level Leverage Ratio (%) Company TCE / TA (%)¹ Company Total Equity ($M) 2021 2022 2023 2024 2025 MRQ Bank Level Total Risk Based Capital Ratio (%) Bank Loans / Deposits (%) 5
Slide 10: History of Growth
History of Growth 184% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 MRQ TBVPS + DPS Growth (%) Compound Tangible Book Value per Share + Dividends (Non-GAAP) Growth Total Asset Growth 262% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 MRQ Asset Growth (%) Note: Fiscal year ended June 30 Sour
Slide 11: Historical Dividends Since 2015
Historical Dividends Since 2015 Dividends Per Share Paid dividends of $0.18 or greater every year since 2015 From 2015 to 2025, GCBC has continued to increase the annual dividend each year The company has the ability and history of waiving dividends to the Mutual Holding Company (MHC) On a cumulativ
Slide 12: Loan Portfolio Overview
Loan Portfolio Overview Net Charge-offs / Average Net Loans Receivable (%) Nonperforming Assets / Assets (%) Loan Portfolio Composition as of December 31, 2025 Amount (%) of Loan Type ($000's) Total Residential $414,829 24.6% CRE 1,097,997 65.1% Home Equity 40,574 2.4% Consumer 4,106 0.2% Commercial
Slide 13: Deposit Composition Overview
Deposit Composition Overview Cost of Deposits (%) Cost of Funds (%) Deposit Composition as of December 31, 2025 Amount (%) of Deposit Type ($000's) Total Noninterest-bearing deposits $105,171 4.0% Certificates of deposit 205,948 7.8% NOW deposits 2,000,305 75.7% Money Market & Savings 329,616 12.5%
Slide 14: Securities Portfolio Composition
Available-for-Sale 34% 14 Held-to-Maturity 66% Source: S&P Capital IQ Pro; Company documents Securities Portfolio Composition Portfolio as of December 31, 2025 Securities Portfolio Breakdown (as of December 31, 2025) $1.2B Total December 31, 2025 (Dollars in thousands) Balance % of Portfolio Securit
Slide 15: Continued Growth Into New York's Capital Region and Hudson Valley
Opened October 25, 2025 Source: Company documents Focused on Growth & Targeted Expansion Capital Region Banking Center Albany County, NY Clifton Park Saratoga County, NY Continued Growth Into New York’s Capital Region and Hudson Valley 14 Opened March 19,2024 Expansion 3 Winners Circle, Colonie 1208
Slide 16: Greene County Bancorp is Strong & Well Positioned for Continued Growth
Greene County Bancorp is Strong & Well Positioned for Continued Growth Experienced Senior Management Team and Board of Directors with Extensive Banking Knowledge Attractive Low-Cost Deposit Base Clean Asset Quality Through Strict Underwriting Standards and Strong Credit Risk Management Well Capitali
Slide 17: Recent Awards
#1 Commercial Mortgage Lender in the Capital Region by Albany Business Review Ranked one of the Fastest Growing Companies in the Capital Region by Albany Business Review Recent Awards Bauer Financial, Inc - 5 Star Superior Rating 16th Consecutive Year Recognized as a Top-Performing Bank in Piper San
Slide 18: Charitable Foundation
Source: Company documents Charitable Foundation Formed in 1998, funded initially by Bank stock & cash $4 million in total contributions since inception Granted over $556,000 to over 491 organizations in 2025 Awards fund education, health and wellness, social and civic services, culture and arts, hou
Slide 19: Appendix
Appendix
Slide 20: Executive Management Team
Executive Management Team Presenting Donald E. Gibson has served as President and Chief Executive Officer of Greene County Bancorp, Inc. and the Bank of Greene County since 2007. He has been with the Bank since 1987, holding various positions of increasing responsibility prior to his appointment as
Slide 21: Board of Directors
Board of Directors Christopher Cannucciari is a partner at Lutz, Selig & Zeronda, CPAs, LLP. Mr. Cannucciari is a Certified Public Accountant and Accredited in Business Valuation, and earned his Bachelor of Science in Finance from Siena College and his Master of Business Administration in Public Acc
Slide 22: Board of Directors (Continued)
Board of Directors (Continued) Michelle M. Plummer is retired. Prior to her retirement in June 2024, Ms. Plummer served as Senior Executive Vice President, Chief Operating Officer and Chief Financial Officer, a position held since 2020. Prior to this appointment, Ms. Plummer served as Executive Vice
Slide 23: Directors Emeritus
Directors Emeritus Paul E. Slutzky served on the Board of Directors since 1992, was named Chairman in 2020, and retired in November 2022. Mr. Slutzky is a former co-owner of Hunter Mountain Ski Area and its affiliated companies and retired from I. & O. A. Slutzky, Inc., a general construction compan
Slide 24: Non-GAAP Reconciliation
For fiscal year ended June 30, MRQ ($000s) 2021 2022 2023 2024 2025 12/31/25 Total Common Equity $149,584 $157,714 $183,283 $206,000 $238,837 $258,268 Goodwill -- -- -- -- -- -- Other Intangibles -- -- -- -- -- -- Less: Total Intangible Assets -- -- -- -- -- -- Tangible Common Equity $149,584 $157,7
Slide 25: Greene County Bancorp, Inc.
Greene ASA, County = Bancorp Inc.
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