Overview

• US community bank's fiscal Q4 net income and EPS rose yr/yr

• Net interest income and margin improved, driven by higher loan and securities yields

Outlook

• Company says geopolitical disruptions and shifting tariff policies complicate the economic outlook

• Greene County Bancorp says focus remains on building shareholder value amid market volatility

• Company says strong balance sheet and disciplined growth strategy position it for long-term value creation

Result Drivers

• HIGHER NET INTEREST INCOME - Co said increased net interest income was driven by higher average balances and yields on loans and securities, along with lower deposit rates

• LOAN GROWTH - Net loans receivable rose 7.7% yr/yr, mainly from commercial real estate and commercial loans

Company press release: ID:nGNXb8hlhF

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q4 EPS		$0.67
Q4 Net Income		$11.34 mln
Q4 Net Interest Income		$21.15 mln
Q4 Loan Loss Provision		$126,000

Reuters Recommended Reads

• July 23 - Dime Community Bancshares Q2 revenue hits record on loan growth

• July 22 - Parke Bancorp Q2 net interest income rises on higher loan yields

• July 22 - Norwood Financial posts record Q2 net income, net interest income

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