Greene County Bancorp, Inc. · NASDAQ:GCBC
Greene County Bancorp — Shareholder Meeting (November 2025)
51 slides from Greene County Bancorp's shareholder meeting presentation, Nov 1, 2025
Slide 1: Annual Meeting of Stockholders
WORKING TOGETHER WINNING TOGETHER ANNUAL MEETING OF STOCKHOLDERS NOVEMBER 1 , 2025 ST
Slide 2: Working Together Winning Together
WORKING TOGETHER WINNING TOGETHER
Slide 3: Call to Order
Jay Cahalan Chairman of the Board Call to Order Introduction of Directors & Chairman of the Meeting
Slide 4: Donald E. Gibson
Donald E. Gibson President, CEO & Director
Slide 5: Annual Meeting Agenda
Annual Meeting Agenda Business Meeting Annual Report to Shareholders
Slide 6: Proposal #1: Election of Directors
Business Meeting Proposal #1: Election of Directors: 1. John Brust 2. Tejraj S. Hada 3. Donald E. Gibson
Slide 7: Proposal #2: Ratification of Auditor
Business Meeting Proposal #2: Ratification of the Appointment of Independent Registered Public Accounting Firm: Bonadio & Co, LLP
Slide 8: Proposal #3: Advisory Vote on Compensation
Business Meeting Proposal #3: To consider and approve a non-binding advisory resolution regarding the compensation of the Company’s named executive officers.
Slide 9: Proposal #4: Frequency of Advisory Vote
Business Meeting Proposal #4: To consider and act upon an advisory vote on the frequency at which the Company should include an advisory vote regarding the compensation of the Company’s named executive officers in its proxy statement for shareholder consideration.
Slide 10: Annual Report to Shareholders
Donald E. Gibson President, CEO & Director Annual Report to Shareholders
Slide 11: Safe Harbor Statement
Safe Harbor Statement This presentation contains forward-looking information for Greene County Bancorp, Inc. Such information constitutes forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995), which involve significant risks and uncertainties. Actual
Slide 12: Financial Review
Nick Barzee Senior VP, Chief Financial Officer Financial Review
Slide 13: Total Assets
Total Assets $3500 $3,041 $3000 $2,698 $2,826 $2,572 $2500 $2,200 Millions $2000 $1500 $1000 $500 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 14: Total Net Loans
Total Net Loans $2000 $1,607 $1,480 $1500 $1,388 $1,229 Millions $1,086 $1000 $500 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 15: Consolidated Deposits
Consolidated Deposits $3000 $2,640 $2500 $2,437 $2,389 $2,213 $2,005 Millions $2000 $1500 $1000 $500 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 16: Net Income
Net Income $35000 $30,785 $31,138 $30000 $27,986 $23,942 $24,769 Thousands $25000 $20000 $15000 $10000 $5000 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 17: Earnings Per Share
Earnings Per Share $2.0 $1.81 $1.83 $1.64 $1.5 $1.41 $1.45 $1.0 $0.5 $0.0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 18: Dividend Per Share
Dividend Per Share $0.4 $0.36 $0.32 $0.3 $0.28 $0.26 $0.24 $0.2 $0.1 $0.0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 19: Stockholder's Equity
Stockholder’s Equity $250 $239 $206 $200 $183 $150 $158 Millions $150 $100 $50 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 20: Book Value
Book Value $20 $15 $14.03 $12.10 $10.76 $10 $8.79 $9.26 $5 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 21: Total Return on Investment
Total Return on Investment Investment of $100,000 at 1998 IPO to 6/30/2025 $3,830,000 $6 $5 $4 Millions $3 $2 $1 $0 09 19 99 05 15 25 03 13 23 98 07 17 01 11 21 20 20 20 20 20 20 20 20 20 20 19 20 19 20 20 Source: Data per S&P Capital IQ Total Return from 12/30/1998 to 6/30/2025. Note: Return on inv
Slide 22: Total Return on Investment
Total Return on Investment Investment of $100,000 in December 1998 to 6/30/2025 $4 $3,830,000 $3 Millions $2 $1 $461,000 $141,000 $196,000 $0 Key Bank Trustco Bank NBT Bank Greene County Bancorp Inc. December 1998 - June 2025 Source: Data per S&P Capital IQ Total Return from 12/30/1998 to 6/30/2025.
Slide 23: Lending Review
John Antalek Executive VP, Chief Lending Officer Lending Review
Slide 24: Total Net Loans
Total Net Loans $2000 $1,607 $1,480 $1500 $1,388 $1,229 Millions $1,086 $1000 $500 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 25: Total Commercial Loans
Total Commercial Loans (CRE and C&I Loans) $1200 $1,171 $1,048 $1000 $990 $853 Millions $800 $750 $600 $400 $200 $0 2021 2022 2023 2024 2025 June 2021 - June 2025 *#1 Commercial Lender in the Capital Region
Slide 26: Total Residential Loans
Total Residential Loans $500 $447 $452 $394 $414 $400 $354 Millions $300 $200 $100 $0 2021 2022 2023 2024 2025 June 2021 - June 2025
Slide 27: Total Loan Mix
Total Loan Mix June 30, 2021 June 30, 2025 Residential Residential 32% 28% CRE CRE 52% 65% Commercial Commercial 16% 7%
Slide 28: WSJ Prime Rate & 10yr Treasury Yield
7/ 0% 2% 4% 6% 8% 10% 1/ 2 02 1 10 /1 /2 0 21 1/ 1/ 2 02 2 4/ 1/ 2 02 2 7/ 1/ 2 02 2 10 /1 /2 0 22 1/ 1/ 2 02 3 4/ 1/ 2 02 3 7/ 1/ 20 23 10 /1 /2 0 23 1/ 1/ 20 24 4/ 1/ 2 02 4 7/ 1/ 2 02 4 10 /1 /2 0 24 1/ 1/ 2 02 5 4/ 1/ 20 25 6/ 30 /2 0 25 WSJ Rate 10YR Yield Prime Treasury WSJ Prime Rate & 10yr T
Slide 29: Notable Commercial Lending
Notable Commercial Lending Community Costco Preservation Corporation
Slide 30: First-Time Homebuyer Program
First-Time Homebuyer Program Originated over $1.4 Million in First-Time Homebuyer Loans Distributed $95,500 in First-Time Home Buyer Grants Nearly $20,000 in Closing Cost Reductions
Slide 31: Charitable Foundation
Susan Timan VP, Director of Marketing Charitable Foundation
Slide 32: Charitable Foundation History
Charitable Foundation History Formed in 1998 Funded initially by Bank stock & cash Deadline of January 15 every year $26,000 awarded to 14 non-profits in first year
Slide 33: Total Grants
Total Grants $600 $556 $500 Thousands $400 $300 $250 $200 $94 $100 $64 $54 $26 $0 2000 2005 2010 2015 2020 2025 January 2000 - January 2025
Slide 34: Total Organizations
Total Organizations 500 491 400 300 241 200 103 100 57 37 14 0 2000 2005 2010 2015 2020 2025 January 2000 - January 2025
Slide 35: The Foundation Supports
The Foundation Supports Education Health & Wellness Social & Civic Services Culture & the Arts Housing
Slide 36: Education
Education Primary School Programs Tutoring Services Financial Assistance
Slide 37: Health & Wellness
Health & Wellness Medical Services Medical Research Wellness Education
Slide 38: Social & Civic
Social & Civic First Responders Food Banks Library Services
Slide 39: Culture & the Arts
Culture & the Arts Performing Arts Historical Sites Artistic Education
Slide 40: Housing
Housing Emergency Home Repairs Affordable Housing Partnerships in 5 Counties
Slide 41: Branch Ceremonies
Branch Ceremonies Bank of Greene County Greene GhansComnty County =~ Charitable Foundation Bancorp Inc.
Slide 42: Branch Ceremonies
Branch Ceremonies at b ek ee a re 4 < ire Greene GhansComnty County =~ Charitable Foundation Bancor p Inc.
Slide 43: Donald E. Gibson
Donald E. Gibson President, CEO & Director
Slide 44: Capital Region Banking Center
Capital Region Banking Center 3 Winners Circle, Colonie March 19, 2024
Slide 45: Expanding into Saratoga County
Expanding into Saratoga County
Slide 46: Clifton Park
Clifton Park 1208 Route 146, Clifton Park October 25, 2025
Slide 47: 2025 Bank Accolades
Donald E. Gibson President, CEO & Director 2025 Bank Accolades Bauer Financial, Inc - 5 Star Superior Rating th 16 Consecutive Year Top 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 Revi
Slide 48: Questions?
Questions? Please Raise Your Hand
Slide 49: Inspector of Elections Report
Bradley Cummings CPA, CVA Inspector of Elections Report
Slide 50: Tours Available!
Tours Available! Directly After This Meeting Wealth Management Center - 345 Main Street Administrative Center - 302 Main Street Main Street Branch - 425 Main Street Operations Center - 288 Main Street Lending Center - 341 Main Sreet
Slide 51: Thank You for Coming
THANK YOU FOR COMING WORKING TOGETHER WINNING TOGETHER
Greene County Bancorp — Shareholder Meeting (November 2025) on 6ix