Greene County Bancorp
Greene County Bancorp is a publicly traded community bank holding company (NASDAQ: GCBC) that, through The Bank of Greene County and Greene County Commercial Bank, provides retail, commercial, municipal, and wealth management banking services to individuals, businesses, and municipalities across six New York counties.
- Company typePublic
- Founded1889
- HeadquartersCatskill, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
Greene County Bancorp firmographics
Firmographics- Name
- Greene County Bancorp
- Legal name
- Greene County Bancorp, Inc.
- Website
- https://greenecountybancorp.q4ir.com
- Company type
- Public
- Founded year
- 1889
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Greene County Bancorp is a publicly traded community bank holding company (NASDAQ: GCBC) that, through The Bank of Greene County and Greene County Commercial Bank, provides retail, commercial, municipal, and wealth management banking services to individuals, businesses, and municipalities across six New York counties.
- Ownership category
- akta.pro rank
Greene County Bancorp industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- State Commercial Banks (6022), Commercial Banks, Nec (6029)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Municipal/Local Government Development Banks (FSABAKAI)
Keywords
Where Greene County Bancorp is headquartered
LocationHeadquarters
- HQ city
- Catskill
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Greene County Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income from loan portfolio and securities investments minus interest expense on deposits and borrowings. Primary revenue driver with net interest margin of 2.73% for Q3 FY2026. Balance sheet strategically managed by focusing on higher-yielding loans and securities while lowering deposit rates aligned with Federal Reserve rate cuts.
- Noninterest Income: Fee income from customer interest rate swap contracts, service charges on accounts, loan fees, income from bank owned life insurance, and investment services income. Includes Employee Retention Tax Credits in some periods.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Quarterly cash dividend of $0.10 per share ($0.40 annually) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Greene County Bancorp product offering
Product offeringCore offering
Greene County Bancorp, Inc. is a bank holding company that, through its subsidiary The Bank of Greene County and its commercial banking arm Greene County Commercial Bank, provides full-service community banking. Core offerings include retail deposit accounts and consumer loans, commercial real estate and commercial lending, residential mortgages and home equity loans, municipal banking services for public entities, and wealth management and investment services. The franchise operates across six New York State counties in the Hudson Valley and Capital Region.
Product overview
Greene County Bancorp, Inc. is a bank holding company offering a unified suite of banking products and services through its primary subsidiary The Bank of Greene County and its commercial banking subsidiary Greene County Commercial Bank. The company provides retail banking, commercial banking, and municipal banking services along with wealth management solutions to individuals, businesses, and municipalities throughout New York's Hudson Valley and Capital Region. The product portfolio includes various loan products such as commercial real estate loans (the company's strongest segment, ranked #1 in the Capital Region), residential real estate loans, home equity loans, and commercial loans, alongside deposit services and wealth management. The company operates as a single integrated banking platform rather than a modular product architecture.
Differentiator
Problem solved
Functional benefit
Products and services
- Retail Banking Services Personal banking services including deposit accounts, consumer loans, and personalized customer service for individual customers in the Hudson Valley and Capital Region of New York.
- Commercial Banking Services Business banking services including commercial loans, business deposits, interest rate swap contracts, and financial solutions for commercial customers. The company is ranked #1 Commercial Mortgage Lender in the Capital Region by Albany Business Review 2025.
- Municipal Banking Services Banking services tailored for municipalities and public institutions, including municipal deposits and related financial services for public sector clients.
- Wealth Management Solutions Wealth management services provided to customers, including investment services and related financial advisory offerings, delivered through the Wealth Management Center at 345 Main Street, Catskill, NY.
- Commercial Real Estate Loans Loans secured by commercial real estate properties, representing the company's strongest loan segment, ranked #1 in the Capital Region by Albany Business Review 2025, with $117.9 million in growth during fiscal year 2025.
- Residential Real Estate Loans Home mortgage loans for residential properties, including home equity loans and traditional mortgage financing for individual borrowers.
- Commercial Loans Business loans for commercial purposes, including working capital, equipment financing, and other business credit needs for business borrowers.
Quantifiable outcome
- 36.1% year-over-year increase in nine-month net income to $29.7 million for FY2026
- +5 more outcomes
Companies that use Greene County Bancorp
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Greene County Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Greene County Bancorp partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Atlantic Community Bankers BankminorDonald E. Gibson, President & CEO of Greene County Bancorp, serves as Chairperson of the Board of Directors of Atlantic Community Bankers Bank. This represents a board-level association rather than a formal business partnership.
Scale indicators9 records
Recent moves8 records
Expansion highlights5 records
Greene County Bancorp competitors and assessment
Company assessmentDirect peers
- Evans Bancorp, Inc. Western New York community bank holding company with retail and commercial banking. Comparable by size band, community banking focus, and similar product mix, with potential parallels in operating efficiency and dividend strategy.
- Arrow Financial Corporation: Community-focused bank holding company headquartered in upstate New York (Glens Falls), serving the Capital Region and surrounding areas with retail and commercial banking. Directly comparable as a similarly sized NY community bank with overlapping geographic footprint and similar product mix.
- Financial Institutions, Inc. Western New York-based community bank holding company with a similar focus on retail and commercial community banking. Comparable business model and asset size, with potential geographic expansion parallels.
- Trustco Bank Corp N.A. Capital Region NY-based community bank holding company operating Trustco Bank with a similar retail/commercial banking model and upstate New York footprint. Closely comparable by asset size, geographic focus, and traditional community banking approach.
- Catskill Hudson Bancorp: A closely adjacent community bank in the Hudson Valley region. Highly comparable as a regional thrift-turned-bank with overlapping Hudson Valley geography and a similar focus on community lending and deposits.
Broad incumbents
- NBT Bancorp Inc. Upstate New York-based regional bank holding company with retail, commercial, and wealth management services across NY, PA, VT, and MA. Comparable product mix and customer segments, though materially larger and more geographically diversified.
- Tompkins Financial Corporation: Upstate New York-based bank holding company providing community banking, wealth management, and insurance. Comparable as a Capital Region-adjacent community bank with similar product mix, though at larger scale.
- ConnectOne Bancorp, Inc. New Jersey-based community bank with a similar relationship-based commercial and retail banking approach. Comparable by business model and asset size band, though operating in a different Northeast geography.
- Community Bank System, Inc. Larger community bank holding company based in upstate New York (Syracuse) with a broader upstate NY and northern Pennsylvania footprint. Comparable as a regional commercial/retail bank operating in overlapping geographies but at significantly greater scale and product breadth.
Regional players
- Dime Community Bancshares, Inc. New York metropolitan area community bank with a retail and commercial banking focus. Comparable by business model and community banking approach, but operating in a different (downstate) New York geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Greene County Bancorp social profiles
Digital presenceGreene County Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Greene County Bancorp leadership team
Management profileNumber of profiles
Profiles3 records
Greene County Bancorp subsidiaries and ownership
Company hierarchySubsidiaries2 records
Greene County Bancorp funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Greene County Bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Greene County Bancorp
What does Greene County Bancorp do?
Greene County Bancorp, Inc. is a bank holding company that, through its subsidiary The Bank of Greene County and its commercial banking arm Greene County Commercial Bank, provides full-service community banking. Core offerings include retail deposit accounts and consumer loans, commercial real estate and commercial lending, residential mortgages and home equity loans, municipal banking services for public entities, and wealth management and investment services. The franchise operates across six New York State counties in the Hudson Valley and Capital Region.
Is Greene County Bancorp a public or private company?
Greene County Bancorp is a public company. It is classified as public and is currently operating.
When was Greene County Bancorp founded?
Greene County Bancorp was founded in 1889. It employs 51 to 100 people.
Where is Greene County Bancorp based?
Greene County Bancorp is headquartered in Catskill, United States, in the North America region.
How does Greene County Bancorp make money?
Two revenue lines are on record. Net Interest Income is the primary driver. The others are noninterest Income.
Who are Greene County Bancorp's main competitors?
Direct peers on record are Evans Bancorp, Inc., Arrow Financial Corporation, Financial Institutions, Inc., Trustco Bank Corp N.A. and Catskill Hudson Bancorp. Broad incumbents are NBT Bancorp Inc., Tompkins Financial Corporation, ConnectOne Bancorp, Inc. and Community Bank System, Inc.. Dime Community Bancshares, Inc. is listed as a regional player.
Does Greene County Bancorp have an API?
No public API is recorded for Greene County Bancorp.
What industry is Greene County Bancorp in?
Greene County Bancorp's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.