Greene County Bancorp, Inc. (GCBC): Business Model Canvas

Eingebettet im Herzen von Greene County, New York, entwickelt sich Greene County Bancorp, Inc. (GCBC) zu einem dynamischen Finanzinstitut, das das traditionelle Bankwesen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die Verknüpfung lokaler Community-Verbindungen, innovativer digitaler Plattformen und personalisierter Finanzdienstleistungen hat GCBC eine einzigartige Nische im regionalen Bankwesen geschaffen, die weit über bloße Transaktionsinteraktionen hinausgeht. Ihr strategischer Ansatz verbindet modernste Technologie mit tief verwurzeltem Community-Verständnis und schafft so eine überzeugende Darstellung der finanziellen Stärkung, die bei kleinen Unternehmen, lokalen Unternehmern und Einzelkunden Anklang findet, die mehr als nur ein Standard-Banking-Erlebnis suchen.

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Handelsunternehmen in Greene County, New York

Kategorie „Partnerschaft“.	Anzahl lokaler Partnerschaften	Jährliches Geschäftsvolumen
Kredite für kleine Unternehmen	87	24,3 Millionen US-Dollar
Kommerzielle Bankdienstleistungen	62	18,7 Millionen US-Dollar

Hypothekendarlehens- und Immobilienexperten

Details zum Partnerschaftsnetzwerk:

• Eingetragene Hypothekenmaklerpartnerschaften: 23
• Kooperationen mit Immobilienagenturen: 16
• Gesamtvolumen der Hypothekenvergabe: 42,1 Millionen US-Dollar

Versicherungsanbieter und Finanzdienstleister

Art des Versicherungspartners	Anzahl der Partnerschaften	Empfehlungseinnahmen
Eigentum & Unfallversicherer	7	1,2 Millionen US-Dollar
Lebensversicherungsanbieter	4	0,8 Millionen US-Dollar

Regionale Gemeinschaftsentwicklungsorganisationen

Kennzahlen zur Zusammenarbeit:

• Aktive Community-Entwicklungspartnerschaften: 9
• Gesamtinvestition der Gemeinschaft: 3,6 Millionen US-Dollar
• Darlehensprogramme für wirtschaftliche Entwicklung: 5

Technologiedienstleister für die Bankinfrastruktur

Kategorie „Technologiedienstleistung“.	Anzahl der Anbieter	Jährliche Technologieinvestition
Kernbankensysteme	2	1,7 Millionen US-Dollar
Cybersicherheitslösungen	3	0,9 Millionen US-Dollar
Digitale Banking-Plattformen	2	1,1 Millionen US-Dollar

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Greene County Bancorp ein Gesamtvermögen von 2,45 Milliarden US-Dollar. Zu den kommerziellen Bankdienstleistungen gehören:

• Girokonten für Unternehmen
• Kreditprodukte für Unternehmen
• Handelskreditlinien

Bankdienstleistung	Gesamtvolumen	Durchschnittliche Transaktion
Gewerbliche Kredite	612 Millionen Dollar	$175,000
Verbraucherkredite	418 Millionen US-Dollar	$42,500

Hypothekendarlehen und Immobilienfinanzierung

Details zum Hypothekarkreditportfolio:

• Gesamthypothekendarlehen: 892 Millionen US-Dollar
• Vergabe von Wohnhypotheken im Jahr 2023: 214 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 327.000 $

Verwaltung von Einlagen- und Anlagekonten

Kontotyp	Gesamteinlagen	Durchschnittlicher Kontostand
Girokonten	1,2 Milliarden US-Dollar	$18,500
Sparkonten	687 Millionen US-Dollar	$12,300
Anlagekonten	356 Millionen Dollar	$95,000

Betrieb von Online- und Mobile-Banking-Plattformen

Kennzahlen zum digitalen Banking:

• Aktive Online-Banking-Nutzer: 72.500
• Downloads von Mobile-Banking-Apps: 48.300
• Digitales Transaktionsvolumen: 2,1 Millionen monatlich

Community-orientierte Finanzberatungsdienste

Beratungsdienst	Gesamtzahl der Kunden	Jahresumsatz
Vermögensverwaltung	4,200	18,5 Millionen US-Dollar
Ruhestandsplanung	3,800	12,3 Millionen US-Dollar

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Schlüsselressourcen

Physisches Filialnetz

Zum 31. Dezember 2023 ist Greene County Bancorp, Inc. tätig 26 Bankbüros mit umfassendem Serviceangebot befindet sich hauptsächlich in den Counties Greene, Columbia, Rensselaer und Albany im Bundesstaat New York.

Landkreis	Anzahl der Filialen
Greene County	10
Columbia County	8
Rensselaer County	5
Albany County	3

Erfahrene lokale Bankprofis

Gesamtzahl der Mitarbeiter zum 31. Dezember 2023: 214 Vollzeitkräfte.

• Durchschnittliche Betriebszugehörigkeit: 8,5 Jahre
• Senior Management mit über 15 Jahren Bankerfahrung
• Lokale Arbeitskräfte hauptsächlich aus dem Bundesstaat New York

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen ab Geschäftsjahr 2023: 1,2 Millionen US-Dollar in digitalen Bankplattformen und Verbesserungen der Cybersicherheit.

Digitaler Service	Benutzerakzeptanzrate
Online-Banking	68%
Mobiles Banking	52%
Mobile Scheckeinzahlung	45%

Starke Kapital- und Finanzreserven

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 2,1 Milliarden US-Dollar
• Gesamteinzahlungen: 1,8 Milliarden US-Dollar
• Kernkapitalquote: 13.2%
• Gesamtrisikokapitalquote: 14.5%

Kundenbeziehungsmanagementsysteme

Investition in CRM-Technologie: $350,000 im Jahr 2023 für fortschrittliche Kundenverfolgungs- und Personalisierungssysteme.

CRM-Metrik	Leistung
Kundenbindungsrate	87%
Durchschnittliche Dauer der Kundenbeziehung	9,3 Jahre

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Wertversprechen

Personalisiertes lokales Bankerlebnis

Im vierten Quartal 2023 unterhielt Greene County Bancorp 35 Bankstandorte im gesamten Bundesstaat New York und betreute rund 62.000 Kundenkonten. Die Gesamtaktiva der Bank beliefen sich auf 2,48 Milliarden US-Dollar, der Nettogewinn belief sich im Geschäftsjahr auf 41,2 Millionen US-Dollar.

Bankmetrik	Daten für 2023
Gesamtzahl der Bankstandorte	35
Kundenkonten	62,000
Gesamtvermögen	2,48 Milliarden US-Dollar
Nettoeinkommen	41,2 Millionen US-Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Greene County Bancorp bietet wettbewerbsfähige Zinssätze für verschiedene Finanzprodukte:

• Persönliche Sparkonten: 0,50 % – 1,25 % effektiver Jahreszins
• Persönliche Girokonten: 0,10 % – 0,35 % APY
• Hypothekendarlehen: 6,25 % – 7,50 % Festzins
• Kleinunternehmenskredite: Zinssätze von 7,25 % bis 9,75 %

Umfassende Finanzprodukte für kleine Unternehmen

Im Jahr 2023 stellte die Bank bereit 287 Millionen US-Dollar an Kleinunternehmenskrediten, das 1.245 lokale Geschäftskonten in seinen operativen Regionen unterstützt.

Kategorie „Kredite für kleine Unternehmen“.	Betrag 2023
Gesamtkredite für Kleinunternehmen	287 Millionen Dollar
Anzahl der Geschäftskonten	1,245

Schnelle und effiziente Kreditgenehmigungsprozesse

Durchschnittliche Kreditbearbeitungszeiten für Greene County Bancorp im Jahr 2023:

• Privatkredite: 2-3 Werktage
• Hypothekendarlehen: 14-21 Tage
• Kleinunternehmenskredite: 5–7 Werktage

Starke, gemeinschaftsorientierte Finanzlösungen

Im Jahr 2023 investierte Greene County Bancorp 4,2 Millionen US-Dollar für Gemeindeentwicklungsprogramme, Unterstützung lokaler Wirtschaftsinitiativen im gesamten Bundesstaat New York.

Kategorie „Gemeinschaftliche Investitionen“.	Betrag 2023
Gesamtinvestition in die Gemeindeentwicklung	4,2 Millionen US-Dollar

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Kundenbeziehungen

Personal-Relationship-Banking-Modell

Greene County Bancorp unterhält 36 Bankbüros mit umfassendem Serviceangebot in Greene, Columbia und den umliegenden Landkreisen im Bundesstaat New York. Im vierten Quartal 2023 betreut die Bank rund 42.500 Kundenkonten mit einem personalisierten Ansatz für Bankbeziehungen.

Kundenbeziehungsmetrik	Daten für 2023
Gesamtzahl der Kundenkonten	42,500
Durchschnittlicher Kundenbeziehungswert	$87,600
Kundenbindungsrate	89.3%

Direkter Kundenservice durch Filialinteraktionen

Die Bank betreibt 36 physische Filialen mit durchschnittlich 7–8 Mitarbeitern pro Filiale, wobei der Schwerpunkt auf der direkten persönlichen Interaktion liegt.

• Durchschnittliche tägliche Kundeninteraktionen in der Filiale: 125–150 pro Standort
• Durchschnittlicher Kundendienstmitarbeiter pro Filiale: 7,4
• Durchschnittliche Dauer der Kundeninteraktion: 22–28 Minuten

Supportkanäle für digitales Banking

Digital-Banking-Kanal	Benutzerstatistik 2023
Online-Banking-Benutzer	27,600
Mobile-Banking-Benutzer	22,400
Digitales Transaktionsvolumen	1,2 Millionen monatlich

Gezielte Finanzberatungsberatungen

Greene County Bancorp bietet spezialisierte Finanzberatungsdienste mit 18 engagierten Finanzberatern in seinem gesamten Netzwerk.

• Gesamtzahl der Finanzberatungsgespräche im Jahr 2023: 4.200
• Durchschnittliche Beratungsdauer: 45-60 Minuten
• Vermögensverwaltungsvermögen im Rahmen der Beratung: 312 Millionen US-Dollar

Community-Engagement und lokale Networking-Events

Community-Engagement-Metrik	Daten für 2023
Lokale Networking-Veranstaltungen werden veranstaltet	42
Gemeinschaftspatenschaften	28
Gesamtinvestition der Gemeinschaft	$487,000

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Kanäle

Standorte physischer Bankfilialen

Ab 2024 betreibt Greene County Bancorp, Inc. 32 Bankfilialen mit umfassendem Service, die sich hauptsächlich in den Landkreisen Greene, Columbia und Albany im Bundesstaat New York befinden.

Landkreis	Anzahl der Filialen
Greene County	12
Columbia County	10
Albany County	10

Online-Banking-Plattform

Die Bank stellt eine umfassende Online-Banking-Plattform mit folgenden Funktionen zur Verfügung:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge
• Transaktionsverlauf

Mobile-Banking-Anwendung

Mobile-Banking-App für iOS- und Android-Plattformen verfügbar mit über 15.000 aktive Benutzer ab 2024.

Plattform	App-Bewertung	Gesamtzahl der Downloads
iOS App Store	4.2/5	8,500
Google Play Store	4.1/5	6,500

Telefonischer Kundensupport

Öffnungszeiten des Kundendienstzentrums: Montag bis Freitag 8:00 bis 18:00 Uhr, Samstag 9:00 bis 13:00 Uhr.

• Gebührenfreie Kundendienstnummer: 1-800-555-GCBC
• Durchschnittliche Anrufwartezeit: 3,5 Minuten

ATM-Netzwerkdienste

Greene County Bancorp behauptet 42 Geldautomatenstandorte in der gesamten Serviceregion.

Geldautomatentyp	Anzahl der Maschinen	Transaktionsvolumen (monatlich)
Bankeigene Geldautomaten	32	45,000
Gemeinsam genutzte Netzwerk-Geldautomaten	10	15,000

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Kundensegmente

Lokale kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Greene County Bancorp 1.247 kleine und mittlere Geschäftskunden auf dem lokalen Markt. Gesamtportfolio an gewerblichen Krediten: 214,3 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsunternehmen	412	68,5 Millionen US-Dollar
Dienstleister	356	57,2 Millionen US-Dollar
Herstellung	279	88,6 Millionen US-Dollar

Suchende nach Wohnhypotheken

Hypothekenkreditstatistik für 2023:

• Gesamthypothekendarlehen für Wohnimmobilien: 345,6 Millionen US-Dollar
• Anzahl Hypothekenkunden: 2.103
• Durchschnittliche Hypothekendarlehenshöhe: 164.200 $

Privatkunden im Privatkundengeschäft

Aufschlüsselung der Privatkundenkunden:

Kundenkategorie	Anzahl der Kunden	Gesamteinzahlungswert
Persönliche Girokonten	8,756	187,4 Millionen US-Dollar
Sparkonten	6,542	112,3 Millionen US-Dollar
Persönliche Anlagekonten	1,223	45,6 Millionen US-Dollar

Lokale landwirtschaftliche und landwirtschaftliche Unternehmen

Details zum Agrarkreditportfolio:

• Gesamte Agrarkredite: 76,2 Millionen US-Dollar
• Anzahl landwirtschaftlicher Kunden: 287
• Durchschnittliche Agrarkredithöhe: 265.500 $

Professionelle Dienstleister in Greene County

Kundensegment Professionelle Dienstleistungen:

Professionelle Kategorie	Anzahl der Kunden	Gesamtwert des Business Banking
Fachkräfte im Gesundheitswesen	156	24,7 Millionen US-Dollar
Juristische Dienstleistungen	87	15,3 Millionen US-Dollar
Wirtschaftsprüfungsgesellschaften	112	19,6 Millionen US-Dollar

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Zum Jahresbericht 2022 meldete Greene County Bancorp, Inc. Gesamtbetriebskosten der Zweigstelle in Höhe von 12.456.000 US-Dollar. Dazu gehört:

Ausgabenkategorie	Betrag ($)
Miete und Nebenkosten	3,750,000
Wartung und Reparaturen	1,850,000
Filialsicherheit	685,000
Bürobedarf	271,000

Gehälter und Leistungen der Mitarbeiter

Die Gesamtkosten für die Arbeitnehmervergütung beliefen sich im Jahr 2022 auf 24.750.000 US-Dollar und setzten sich wie folgt zusammen:

• Grundgehälter: 18.500.000 US-Dollar
• Krankenversicherung: 3.250.000 $
• Altersvorsorge: 2.100.000 $
• Leistungsprämien: 900.000 $

Wartung von Technologie und digitaler Infrastruktur

Die Ausgaben für die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 5.670.000 US-Dollar, darunter:

Technologieaufwand	Betrag ($)
Wartung von IT-Systemen	2,450,000
Cybersicherheit	1,350,000
Digitale Banking-Plattformen	1,070,000
Softwarelizenzierung	800,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2022 auf 3.250.000 US-Dollar und verteilten sich wie folgt:

• Rechts- und Compliance-Mitarbeiter: 1.750.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 850.000 US-Dollar
• Kosten für die behördliche Einreichung: 450.000 US-Dollar
• Compliance-Schulung: 200.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 1.840.000 US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	720,000
Traditionelle Werbung	450,000
Gemeinschaftspatenschaften	370,000
Kundengewinnungsprogramme	300,000

Greene County Bancorp, Inc. (GCBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete Greene County Bancorp einen Gesamtzinsertrag von 65,4 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamter ausstehender Saldo	Zinserträge
Gewerbliche Immobilienkredite	412,6 Millionen US-Dollar	24,3 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	287,5 Millionen US-Dollar	18,7 Millionen US-Dollar
Gewerbliche Geschäftskredite	156,3 Millionen US-Dollar	12,9 Millionen US-Dollar
Verbraucherkredite	89,4 Millionen US-Dollar	6,5 Millionen Dollar

Gebühren für Hypothekendarlehen

Die Gebühren für Hypothekendarlehen beliefen sich im Jahr 2023 auf insgesamt 3,2 Millionen US-Dollar, mit folgender Gebührenstruktur:

• Erstellungsgebühren: 2,1 Millionen US-Dollar
• Zeichnungsgebühren: 680.000 $
• Bewertungsgebühren: 420.000 $

Servicegebühren für Einlagenkonten

Servicegebühren generierten im Jahr 2023 einen Umsatz von 4,7 Millionen US-Dollar:

Art der Servicegebühr	Einnahmen
Monatliche Kontoführungsgebühren	2,3 Millionen US-Dollar
Überziehungsgebühren	1,4 Millionen US-Dollar
Gebühren für Geldautomatentransaktionen	$620,000
Gebühren für Überweisungen	$380,000

Provisionen für Anlageprodukte

Die Provisionen für Anlageprodukte beliefen sich im Jahr 2023 auf 2,9 Millionen US-Dollar:

• Verkäufe von Investmentfonds: 1,2 Millionen US-Dollar
• Rentenkontoverwaltung: 980.000 $
• Vermögensverwaltungsdienste: 720.000 US-Dollar

Einnahmen aus digitalen Banktransaktionen

Die Einnahmen aus digitalen Banktransaktionen erreichten im Jahr 2023 1,6 Millionen US-Dollar:

Digitaler Banking-Service	Einnahmen
Online-Banking-Transaktionen	$780,000
Mobile-Banking-Gebühren	$620,000
Elektronische Zahlungsabwicklung	$200,000

Greene County Bancorp, Inc. (GCBC) - Canvas Business Model: Value Propositions

You're looking at what Greene County Bancorp, Inc. offers its customers, the core value that keeps them banking there. It's a mix of old-school service and modern financial strength.

Relationship-based community banking with personalized service is a key differentiator. This isn't just talk; it's backed by a long history, having been independently owned and operated for over 135+ years. The focus remains on local decision-making and deep customer relationships across its service area in New York's Hudson Valley and Capital Region.

The market recognizes this focus, as Greene County Bancorp, Inc. is Recognized as the #1 Commercial Mortgage Lender in the Capital Region, according to the Albany Business Review 2025. This leadership in a core lending area shows direct market trust and execution.

The Full-service offering covers the spectrum of financial needs. Greene County Bancorp, Inc., through The Bank of Greene County and Greene County Commercial Bank, provides services that meet the needs of individuals, small businesses, and local agricultural enterprises. This includes:

• - Retail deposit accounts
• - Commercial deposit accounts
• - Residential and commercial real estate loans
• - Consumer installment loans
• - Treasury management services
• - Online and mobile banking platforms
• - Merchant card services
• - Investment alternatives through Greene Investment Services

The scale of the operation, as of September 30, 2025, shows the breadth of their financial capacity, with Total assets reaching $3.06 billion and Net loans receivable at $1.65 billion. The institution delivered a quarterly Net Income of $8.87 million for the three months ended September 30, 2025.

Financial security and soundness from a long-established institution is a major value proposition, especially given the current environment. You can see this strength reflected in their capital and deposit structure as of the third quarter of 2025.

Metric	Value (as of September 30, 2025)	Context/Ratio
Total Assets	$3.06 billion	Up from $3.04 billion at June 30, 2025
Shareholders' Equity	$248.2 million	Equity to Total Assets ratio of 8.11%
Total Risk-Based Capital Ratio (Bank of Greene County)	16.7%	Well above the required 8.0%
Tier 1 Leverage Ratio (Bank of Greene County)	9.6%	Well above the required 4.0%
Total Deposits	$2.72 billion	An increase of 3.2% from the prior quarter

The deposit base itself speaks to stability. The reliance on municipal relationships provides a solid foundation for funding assets. Here's the quick math on their deposit mix:

• - Municipal Deposits: 46.9% (or $1.28 billion)
• - Retail Deposits: 32.5%
• - Business Deposits: 19.5%
• - Brokered Deposits: 1.1%

Furthermore, the allowance for credit losses was $21.3 million, representing 1.28% of total loans, showing prudent reserving. What this estimate hides is the consistent operational performance, with Net Income increasing for 16 of the last 17 years.

Finance: draft 13-week cash view by Friday.

Greene County Bancorp, Inc. (GCBC) - Canvas Business Model: Customer Relationships

You're looking at how Greene County Bancorp, Inc. keeps its customers close, which is really the core of their community bank identity. They don't try to be a national giant; instead, they lean into a highly personal, relationship-based banking model. This approach is what sets Greene County Bancorp, Inc. apart from bigger, national financial institutions, focusing on a deep understanding of the communities they serve in New York's Hudson Valley and Capital Region.

This relationship focus means they emphasize local decision-making and giving personalized attention to their clients, whether they are individuals, small businesses, or local agricultural enterprises. The CEO, Donald Gibson, has pointed to their ability to provide world-class customer service as a key driver of their success. They aim to maintain these relationships over the long haul, even when interest rate cycles shift, which is part of their long-term culture of organic growth.

To support this, Greene County Bancorp, Inc. maintains the necessary infrastructure. As of June 30, 2025, The Bank of Greene County operated a dedicated customer call center, alongside its 18 full-service branches, to help manage customer needs. This blend of physical presence and direct support backs up their commitment to personalized service, which includes offering personalized financial guidance to help customers meet their goals.

The strength of these relationships is reflected in their consistent performance. For instance, Greene County Bancorp, Inc. has achieved record income in 16 of the last 17 years. Their focus on community partnership and service has also led to them being recognized as the #1 Commercial Mortgage Lender in the Capital Region.

Here's a quick look at the composition of their funding base as of the third quarter of 2025, showing the key customer segments they are actively managing relationships with:

Deposit Source Category	Percentage of Total Deposits	Approximate Dollar Amount (as of Q3 2025)
Municipal	46.9%	$1.28 billion
Retail	32.5%	Not explicitly stated, derived from $2.72B total deposits
Business	19.5%	Not explicitly stated, derived from $2.72B total deposits
Brokered	1.1%	Not explicitly stated, derived from $2.72B total deposits

The management team has explicitly stated their intent to continue monitoring the Federal Reserve and deposit rates while maintaining long-term customer relationships. This shows you that relationship management isn't just marketing fluff; it's a stated strategic action they take when managing their balance sheet, even when implementing strategic reductions in deposit rates.

You can see the depth of their relationship focus in the following operational characteristics:

• - Emphasizes local decision-making for clients in southwestern Pennsylvania and the Hudson Valley.
• - Offers personalized financial advice for individuals and businesses.
• - Focuses on partnering with municipal, nonprofit, and small-business clients.
• - Operates a customer call center to support service delivery.

Finance: draft a 13-week cash view by Friday.

Greene County Bancorp, Inc. (GCBC) - Canvas Business Model: Channels

You're looking at how Greene County Bancorp, Inc. (GCBC) physically and digitally reaches its customers across the Hudson Valley and Capital Region. It's a blend of traditional brick-and-mortar presence and modern digital tools.

Physical branch network across the Hudson Valley and Capital Region

Greene County Bancorp, Inc., through The Bank of Greene County and Greene County Commercial Bank, maintains a physical footprint serving its core market. As of the fiscal year ending June 30, 2025, the company finalized plans to expand its reach into Saratoga County, adding to its established presence. The bank provides full-service retail, commercial, and municipal banking at these locations.

Here's a look at the physical footprint data points we have:

Metric	Value/Date	Context
Full-Service Branch Locations (Reported Dec 31, 2023)	26	Primarily in Greene County and surrounding regions of New York.
Full-Service Banking Offices (Reported June 30, 2022)	17	Data point prior to the 2023 reported count.
Core Counties Served	Greene, Columbia, Albany	Primary market area for branch operations.
Expansion Area Finalized	Saratoga County	Expansion plans finalized as of October 21, 2025.

Digital channels: online and mobile banking platforms

The digital channels are crucial for modern banking convenience, supporting account management, fund transfers, and bill payments. The growth in usage for these platforms has been quite strong, showing customer adoption of remote services.

For example, the year 2023 showed significant uptake in digital engagement:

• Online banking users increased by 22.4% in 2023.
• Mobile banking transactions grew by 34.6% in 2023.
• Digital account openings reached 15,872 in 2023.

These platforms offer features like mobile check deposit and digital statement access.

Specialized lending center and operations center

Beyond the standard branch network, Greene County Bancorp, Inc. supports its operations and lending activities through dedicated facilities. As of June 30, 2022, the structure included specialized support units.

The dedicated facilities reported were:

• An operations center.
• A lending center.

These centers help manage the growing loan portfolio, which reached a record of $1.6 billion in net loans as of March 31, 2025.

Direct sales force for commercial and municipal clients

The direct sales effort focuses on relationship-based banking, particularly for commercial and municipal clients, complementing the retail deposit gathering. The commercial loan portfolio is a key area of focus for this segment.

Here are some figures related to the loan book serviced through these channels:

Loan Category/Metric	Amount/Growth	Reporting Period/Date
Net Loans Total	$1.6 billion	As of March 31, 2025.
Total Commercial Loans	$214.3 million	As of Q4 2023.
Commercial Real Estate Loan Increase	$117.9 million	During the fiscal year ending June 30, 2025.
Total Residential Mortgage Loans	$1.37 billion	As of 2023.

The company provides full-service commercial and municipal banking, indicating a dedicated approach to these segments through its personnel and specialized commercial bank subsidiary.

Greene County Bancorp, Inc. (GCBC) - Canvas Business Model: Customer Segments

You're analyzing the core customer base for Greene County Bancorp, Inc., which centers on serving the financial needs of individuals, businesses, and local governments across New York's Hudson Valley and Capital Region.

The deposit base clearly shows a strong reliance on public sector funds, which is a defining characteristic of this community bank's funding strategy as of the third quarter of 2025. Municipal deposits make up the largest single source of funds.

Here's a quick look at the deposit composition as of September 30, 2025, which directly reflects the primary customer groups Greene County Bancorp, Inc. serves:

Customer Segment Reflected in Deposits	Percentage of Total Deposits	Approximate Dollar Amount (as of Q3 2025)
Municipal Entities	46.9%	$1.28 billion
Retail Customers	32.5%	N/A
Business Customers	19.5%	N/A
Brokered Deposits	1.1%	N/A

The retail customers-individuals and families in the local New York market-form a significant portion of the funding base, representing 32.5% of total deposits, which stood at $2.72 billion at the end of Q3 2025. This segment is served through The Bank of Greene County's full-service branch network.

For small to mid-sized businesses, Greene County Bancorp, Inc. provides commercial loans and deposit services, with business deposits accounting for 19.5% of the total funding. The lending focus strongly supports this segment, as evidenced by the loan portfolio composition. The institution is recognized as the #1 Commercial Mortgage Lender in the Capital Region.

The municipal and local government entities are a cornerstone segment, providing 46.9% of total deposits, or approximately $1.28 billion as of September 30, 2025. It is important to note that these municipal deposits are reported as collateralized.

The focus on commercial activity, which includes real estate lending, is substantial. The loan portfolio breakdown as of Q3 2025 shows where the capital generated from these segments is deployed:

• Commercial real estate loans totaled $1.09 billion, making up 65.1% of the net loan portfolio.
• Commercial loans (non-real estate) accounted for $126.0 million, which is 7.5% of the portfolio.
• Residential real estate loans were $416.5 million (24.9%).

Finally, high-net-worth individuals are targeted through the wealth management operation, branded as Greene Investment Services, which offers investment alternatives to customers through a partnership with Osaic Institutions, Inc. This service complements the core deposit and lending relationship.

Finance: draft 13-week cash view by Friday.

Greene County Bancorp, Inc. (GCBC) - Canvas Business Model: Cost Structure

The Cost Structure for Greene County Bancorp, Inc. (GCBC) is heavily weighted toward funding costs, which is typical for a community bank. You see the direct impact of interest rate movements here, especially on the liability side of the balance sheet.

Interest expense on deposits and borrowings remains the single largest component of the cost base, though Greene County Bancorp, Inc. has shown success in managing this relative to its asset growth. For the fiscal year ended June 30, 2024, Total Interest Expense was $53 million, with Deposits Interest Expense accounting for $50 million of that total. By the nine months ended March 31, 2025, Net Interest Income had expanded to $16.21 million for the quarter, and the Net Interest Margin improved to 2.32% for the three months ended March 31, 2025. This margin expansion suggests that the increase in interest paid on deposits and borrowings was outpaced by the higher yields earned on repriced loans and securities.

Personnel and compensation expenses are rising to support growth initiatives. For the nine months ended March 31, 2025, there was an increase of $479,000 in salaries and employee benefit costs compared to the prior year period, directly tied to the creation of new positions to support the Company's continued expansion. The total Noninterest Expense for the nine months ended March 31, 2025, was $29.0 million.

Occupancy and equipment costs are a relatively stable, though growing, part of the operating expense base. For the fiscal year ended June 30, 2024, Net Occupancy & Equipment Expense was $5.54 million. The network supporting these costs is expanding; while you specified a 17-branch network, reports indicate the Bank of Greene County operated through 18 branches as of June 30, 2025, with plans to open a 19th branch in Saratoga County in October 2025.

The Provision for Credit Losses (PCL) reflects management's view of near-term economic risk and loan portfolio growth. The PCL for the nine months ended March 31, 2025, was $2.3 million, a significant increase from $922,000 for the same period in 2024. This was attributed to gross loan growth and a modest deterioration in economic forecasts used in the Current Expected Credit Loss (CECL) model as of that date. For the most recent quarter available, the three months ended September 30, 2025, the provision increased to $1.3 million.

Here's a look at some key cost-related metrics from recent reporting periods:

Cost/Expense Metric	Period Ending	Amount (USD Millions, unless noted)
Provision for Credit Losses on Loans	Nine Months Ended March 31, 2025	$2.3 million
Provision for Credit Losses on Loans	Three Months Ended September 30, 2025	$1.3 million
Total Non-Interest Expense	Nine Months Ended March 31, 2025	$29.0 million
Salaries and Employee Benefits Increase	Nine Months Ended March 31, 2025 (vs prior year)	$479,000
Net Occupancy & Equipment Expense	Fiscal Year Ended June 30, 2024	$5.54 million
Total Interest Expense	Fiscal Year Ended June 30, 2024	$53 million

The efficiency ratio, which relates non-interest expense to revenue, improved to 50.04% for the quarter ending March 31, 2025, showing better cost control relative to revenue generation in that period.

• Noninterest expense rose 5.6% to $39.4 million for the full year ended June 30, 2025, compared to $37.3 million in the prior year.
• The increase in Noninterest Expense for the three months ended June 30, 2025, was $497,000, or 5.0%.
• The CEO's total yearly compensation was $2.16 million as of late 2025.

Greene County Bancorp, Inc. (GCBC) - Canvas Business Model: Revenue Streams

The primary engine for Greene County Bancorp, Inc. revenue streams is the Net Interest Income generated from its balance sheet, which is heavily weighted toward loans and securities. You're looking at a bank that successfully repriced its assets, as evidenced by the Net Interest Income for the quarter ended September 30, 2025, reaching $17.52 million, a significant year-over-year increase. This income is directly tied to the growth in the lending book, which held a net loan portfolio of $1.65 billion as of September 30, 2025. The securities portfolio, which also contributes to interest income, stood at $1.14 billion at that same time.

To understand where the loan interest income is coming from, here is the breakdown of the net loan portfolio as of the end of the third quarter of fiscal year 2025:

Loan Category	Amount as of September 30, 2025	Percentage of Portfolio
Commercial Real Estate	$1.09 billion	65.1%
Residential Real Estate	$416.5 million	24.9%
Commercial Loans	$126.0 million	7.5%
Home Equity	$37.2 million	2.2%
Consumer	$4.3 million	0.3%

Beyond the core interest-based earnings, Greene County Bancorp, Inc. captures Non-interest income from various fee-based services. This includes service charges, fees, and revenue derived from its wealth management operation, which is a growing part of its service offering. For the quarter ending September 30, 2025, this noninterest income totaled $3.99 million.

Overall profitability metrics reflect the success of this revenue model, especially the margin expansion achieved through asset repricing and deposit cost management:

• Record high net income for the fiscal year ended June 30, 2025, was $31.1 million.
• Net income for the quarter ending September 30, 2025, was $8.87 million.
• The net interest margin for the quarter ending September 30, 2025, expanded to 2.48%.
• The net interest margin for the fourth quarter of fiscal year 2025 was 2.37%.
• The company reported record earnings in 16 of the last 17 years.