Greene County Bancorp, Inc. · NASDAQ:GCBC
Greene County Bancorp — Investor Presentation (June 2026)
25 slides from Greene County Bancorp's investor presentation, June 2026
Slide 1: Investor Presentation
Investor Presentation June 2026 1
Slide 2: Forward-Looking Statements / Non-GAAP Disclosures
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 refer
Slide 3: Greene County Bancorp, Inc. Overview
Greene County Bancorp, Inc. Overview 1889 Bank of Greene County founded in Catskill, New York 1998 Mutual Holding Company formed to own 100% of Bank of Greene County; sold 45% to the public 1999 Greene County Bancorp, Inc. listed publicly on the Nasdaq under the ticker GCBC 2024 Celebrated 135 years
Slide 4: Organization with Deep Roots in the Communities it Serves
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 Hudson Valley and Capital Region • For over 137 years, the company has deli
Slide 5: Strong Commitment to Upstate New York Market
Strong Commitment to Upstate New York Market Branch Map Deposit Market Share by County Deposits Market GCBC (19) County (New York) Rank Branches ($000) Share (%) Headquarters (1) Greene 1 6 $1,817,792 50% Columbia 2 6 $398,720 28% Albany 12 3 $228,680 1% Ulster 9 2 $182,470 4% Rensselaer 11 1 $43,32
Slide 6: Most Recent Quarter Financial Highlights
Most Recent Quarter Financial Highlights Selected Highlights Key Statistics • Total assets of the Company were $3.2 billion at March 31, 2026 and $3.0 billion at June 30, 2025, an increase of $140.5 million, or 4.6% Balance Sheet • Shareholders’ equity increased to $267.6 million at March 31, 2026 a
Slide 7: Demonstrated Ability to Drive Balance Sheet Growth
Demonstrated Ability to Drive Balance Sheet Growth Total Assets ($M) Gross Loans HFI ($M) $3,181 $3,041 $1,748 $1,627 $2,826 $1,499 $2,698 $1,409 $2,572 $1,252 $1,106 $2,200 2021 2022 2023 2024 2025 MRQ 2021 2022 2023 2024 2025 MRQ Total Deposits ($M) Tangible Common Equity¹ ($M) $2,773 $2,640 $268
Slide 8: High-Performing Profitability
High-Performing Profitability Return on Average Assets (%) Return on Average Equity (%) 17.93% 18.13% 1.37% 17.41% 1.24% 16.02% 1.18% 1.19% 1.10% 14.08% 12.87% 0.93% 2021 2022 2023 2024 2025 MRQ 2021 2022 2023 2024 2025 MRQ Net Interest Margin FTE (%)¹ Efficiency Ratio (%) 3.03% 57.5% 2.97% 52.6% 52
Slide 9: Well-Positioned to Grow
Well-Positioned to Grow Company Total Equity ($M) Company TCE / TA (%)¹ Loans / Deposits (%) 8.41% 62.8% 63.0% $268 7.85% 7.29% 61.6% $239 6.80% 6.79% $206 6.13% $183 57.8% $150 $158 56.6% 55.1% 2021 2022 2023 2024 2025 MRQ 2021 2022 2023 2024 2025 MRQ 2021 2022 2023 2024 2025 MRQ Bank Level Leverag
Slide 10: History of Growth
History of Growth Company Growth Expansion….. While Growing Shareholder Impact Total Asset Growth Compound Tangible Book Value per Share + Dividends (Non-GAAP) Growth Asset Growth (%) TBVPS + DPS Growth (%) 266% 195% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 MRQ 2016 2017 2018 2019 2020 2021
Slide 11: Historical Dividends Since 2015
Historical Dividends Since 2015 Dividends Per Share $0.36 • Paid dividends of $0.18 or greater every year since 2015 $0.32 $0.28 • From 2015 to 2025, GCBC has continued to increase the $0.24 $0.26 annual dividend each year $0.22 $0.19 $0.20 $0.20 $0.18 $0.19 • The company has the ability and history
Slide 12: Loan Portfolio Overview
Loan Portfolio Overview Loan Portfolio Composition as of March 31, 2026 Nonperforming Assets / Assets (%) Home Equity Consumer 2.4% 0.2% Residential 23.8% Commercial 7.7% $1.7B Total 0.25% 0.21% 0.11% 0.13% 0.10% 0.10% CRE 65.9% 2021 2022 2023 2024 2025 MRQ Net Charge-offs / Average Net Loans Receiv
Slide 13: Deposit Composition Overview
Deposit Composition Overview Deposit Composition as of March 31, 2026 Cost of Funds (%) NIB Certificates Money Market & 4.0% of Deposit Savings 12.4% 8.1% 2.16% 2.23% 1.79% $2.7B 0.98% Total 0.29% 0.25% NOW Deposits 2021 2022 2023 2024 2025 MRQ 75.5% Cost of Deposits (%) Amount (%) of Deposit Type (
Slide 14: Securities Portfolio Composition
Securities Portfolio Composition Securities Portfolio Breakdown (as of March 31, 2026) Portfolio as of March 31, 2026 March 31, 2026 (Dollars in thousands) Balance % of Portfolio Securities Available-for-Sale: U.S. Treasury securities $5,789 0.5% U.S. government sponsored enterprises 6,371 0.5% Stat
Slide 15: Focused on Growth & Targeted Expansion
Focused on Growth & Targeted Expansion Expansion Opened October 25, 2025 Opened Continued Growth Into New York’s Capital Region and Hudson Valley March 19,2024 Clifton Park Saratoga County, NY Capital Region Banking Center Albany County, NY 1208 Route 146, Clifton Park 3 Winners Circle, Colonie Sour
Slide 16: Greene County Bancorp is Strong & Well Positioned for Continued Growth
Greene County Bancorp is Strong & Well Positioned for Continued Growth Established Franchise With History of Stability & Serving Its Community – 137 Years! Experienced Senior Management Team and Board of Directors with Extensive Banking Knowledge Attractive Low-Cost Deposit Base Well Capitalized Hig
Slide 17: Recent Awards
Recent Awards Bauer Financial, Inc - 5 Star Superior Rating 16th Consecutive Year #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 Recognized as a Top-Performing Bank in Piper San
Slide 18: Charitable Foundation
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, housing, and emergenc
Slide 19: Appendix
Greene ASA, County Bancorp Inc. Appendix
Slide 20: Executive Management Team Presenting
Executive Management Team Presenting Donald E. Gibson has served as President and Chief Nick Barzee is a Certified Public Accountant and has Scott Houghtaling has served as Senior Vice Executive Officer of Greene County Bancorp, Inc. and served as the Senior Vice President and Chief President and Ch
Slide 21: Board of Directors
Board of Directors Jay P. Cahalan is retired. Prior to his retirement in 2022, Mr. Cahalan was the former President and Chief Executive Officer of Columbia Memorial Health (CMH). He continues to serve CMH as Chairman of the Columbia Memorial Health Foundation. Mr. Cahalan worked with CMH for 29 year
Slide 22: Board of Directors (Continued)
Board of Directors (Continued) Tejraj S. Hada is a highly accomplished entrepreneur and investor with nearly two decades of leadership in the restaurant and hospitality industries. Since 2022, Mr. Hada has been the co-owner of a Hilton Garden Inn and Magnoliya Convention Center in Virginia and holds
Slide 23: Directors Emeritus
Directors Emeritus David H. Jenkins David H. Jenkins is a veterinarian and the former owner of Catskill Animal Hospital, Catskill, New York. Dr. Jenkins’ over 30 years of experience as owner and manager of a locally Director operated business bring valuable business and leadership skills and financi
Slide 24: Non-GAAP Reconciliation
Non-GAAP Reconciliation Tangible Common Equity / Tangible Assets For fiscal year ended June 30, MRQ ($000s) 2021 2022 \ 2023 2024 2025 3/31/2026 Total Common Equity $149,584 $157,714 $183,283 $206,000 $238,837 $267,593 Goodwill -- -- -- -- -- -- Other Intangibles -- -- -- -- -- -- Less: Total Intang
Slide 25: Greene ASA,
Greene ASA, County Bancorp Inc.
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