GREENE COUNTY BANCORP Business Summary

Greene County Bancorp Inc. (GCBC) operates as the holding company for The Bank of Greene County, a community-focused financial institution that generates the majority of its revenue through net interest income derived from a diverse loan portfolio and investment securities. The company’s primary business segments include commercial and residential real estate lending, consumer installment loans, and a robust municipal banking division that serves local government entities across New York’s Hudson Valley and Capital Region. As of early 2026, the bank has achieved record total assets of approximately $3.1 billion, fueled by a traditional retail deposit model and a strategic expansion into high-growth markets like Saratoga County. Within the competitive landscape, GCBC contends with regional peers such as ConnectOne Bancorp (CNOB), Unity Bancorp (UNTY), and First Bancorp (FNLC), distinguishing itself through a conservative risk profile and a high net interest margin that consistently outpaces industry averages. Leadership is anchored by President and CEO Donald E. Gibson, who has been with the institution since 1987 and has spearheaded its growth from $300 million to over $3.1 billion in assets during his tenure. The executive team was further strengthened in July 2024 with the appointment of Nick Barzee, a Certified Public Accountant, as Senior Vice President and Chief Financial Officer, and includes John Antalek as Executive Vice President and Chief Lending Officer. The company is governed by a seasoned Board of Directors led by Independent Chairman Jay Cahalan, with notable members including John Brust, an engineering principal appointed in late 2025, and Michelle Plummer, the bank's former CFO. This leadership group maintains a disciplined operational focus that has resulted in record earnings for 16 of the past 17 years, reinforcing GCBC’s position as a premier community bank in the Northeastern United States.