Greene County Bancorp, Inc. (the “Company”) (NASDAQ: GCBC), the
holding company for The Bank of Greene County and its subsidiary
Greene County Commercial Bank, today reported net income for the
three and six months ended December 31, 2023, which is the second
quarter of the Company’s fiscal year ending June 30, 2024. Net
income for the three and six months ended December 31, 2023 was
$5.7 million, or $0.34 per basic and diluted share, and $12.2
million, or $0.72 per basic and diluted share, respectively, as
compared to $7.2 million, or $0.42 per basic and diluted share, and
$16.2 million, or $0.95 per basic and diluted share, for the three
and six months ended December 31, 2022, respectively. Net income
decreased $4.0 million, or 25.0%, when comparing the six months
ended December 31, 2023 and 2022.
Highlights:
- Net Income: $12.2 million for the six months ended December 31,
2023
- Total Assets: $2.7 billion at December 31, 2023, a new record
high
- Net Loans: $1.4 billion at December 31, 2023, a new record
high
- Return on Average Assets: 0.92% for the six months ended
December 31, 2023
- Return on Average Equity: 13.07% for the six months ended
December 31, 2023
Donald Gibson, President & CEO stated: “I am
proud to report solid net income for the six months ended December
31, 2023, despite what continues to be a very difficult economic
environment with a continued inverted yield curve.
I am also honored to report that on January 22,
2024, the Bank of Greene County celebrated its 135th anniversary!
To mark the milestone, our team was invited to the iconic bell
ringing ceremony at the Nasdaq MarketSite in New York City. The day
was a true tribute to the loyalty and dedication of our past and
present directors, officers, staff members, customers, stockholders
and communities.
Opening for business on January 22, 1889, from a
single office in Catskill, New York, our Company has grown into a
full-service community bank operating in the Capital and Hudson
Valley Regions, in New York State. Providing loans and secured
deposit products to businesses, homeowners and municipalities,
helping to build and support our communities. Greene County
Bancorp, Inc. remains committed to the welfare and success of our
communities.”
Total consolidated assets for the Company were
$2.7 billion at December 31, 2023, primarily consisting of $1.4
billion of net loans and $1.0 billion of total securities
available-for-sale and held-to-maturity. Consolidated deposits
totaled $2.3 billion at December 31, 2023, consisting of retail,
business, municipal and private banking relationships.
Pre-provision for credit losses net income was
$12.8 million for the six months ended December 31, 2023 as
compared to the pre-provision for credit losses net income of $16.0
million, for the six months ended December 31, 2022, a decrease of
$3.2 million, or 19.8%, as the Company booked a negative provision
for loan losses for the six months ended December 31, 2022. The
decrease in net income was primarily the result of net interest
margin compression due to the current interest rate environment, as
the Federal Reserve rapidly raised rates eleven times starting in
March 2022. Additionally, due to the high profile failure of
certain regional banks during the spring of 2023 and the ensuing
industry turmoil, the Company has maintained higher levels of cash
liquidity by obtaining brokered deposits, which increased the
interest expense on deposits. Further, in an effort to maintain our
customer relationships, the Company raised rates paid on deposits
to match high yields in the bond market, which has been at a faster
rate than the Company was able to reprice assets. The Company
believes that increasing deposits rates and maintaining long-term
relationships will benefit the Company for continued growth and
earnings potential in the future.
Selected highlights for the three and six months
ended December 31, 2023 are as follows:
Net Interest Income and Margin
- Net interest
income decreased $3.5 million to $12.4 million for the
three months ended December 31, 2023 from $15.9 million for the
three months ended December 31, 2022. Net interest income decreased
$5.9 million to $25.9 million for the six months ended December 31,
2023 from $31.8 million for the six months ended December 31, 2022.
The decrease in net interest income was due to an increase in the
average balance of interest-bearing liabilities, which increased
$77.4 million and $83.6 million when comparing the three and six
months ended December 31, 2023 and 2022, respectively, and
increases in rates paid on interest-bearing liabilities, increased
147 and 148 basis points when comparing the three and six months
ended December 31, 2023 and 2022, respectively. The decrease in net
interest income was partially offset by increases in the average
balance of interest-earning assets, which increased $68.5 million
and $74.4 million when comparing the three and six months ended
December 31, 2023 and 2022, respectively, and increases in interest
rates on interest-earning assets, which increased 70 and 78 basis
points when comparing the three and six months ended December 31,
2023 and 2022, respectively.Average loan balances increased $81.6
million and $98.6 million and the yield on loans increased 58 and
66 basis points when comparing the three and six months ended
December 31, 2023 and 2022, respectively. Average securities
decreased $78.8 million and $86.0 million and the yield on such
securities increased 31 and 64 basis points when comparing the
three and six months ended December 31, 2023 and 2022,
respectively. Average interest-bearing bank balances and federal
funds increased $66.1 million and $62.7 million and the yield
increased 187 and 238 basis points when comparing the three and six
months ended December 31, 2023 and 2022, respectively.The cost of
NOW deposits increased 179 and 178 basis points, the cost of
certificates of deposit increased 153 and 213 basis points, and the
cost of savings and money market deposits increased 15 and 13 basis
points when comparing the three and six months ended December 31,
2023 and 2022, respectively. The increase in the cost of
interest-bearing liabilities was partly due to growth in the
average balances of interest-bearing liabilities of $77.4 million
and $83.6 million when comparing the three and six months ended
December 31, 2023 and 2022, respectively. This was due to an
increase in NOW deposits of $183.2 million and $179.8 million and
an increase in average certificates of deposits of $23.6 million
and $35.8 million, offset by a decrease in average savings and
money market deposits of $110.9 million and $105.2 million and a
decrease in average borrowings of $18.5 million and $26.8 million
when comparing the three and six months ended December 31, 2023 and
2022, respectively. Yields on interest-earning assets and costs of
interest-bearing deposits increased for the three and six months
ended December 31, 2023, as the Federal Reserve Board raised
interest rates throughout the calendar year 2022 and into the third
quarter of calendar year 2023.
- Net interest rate spread
and margin both decreased when comparing the three and six
months ended December 31, 2023 and 2022. Net interest rate spread
decreased 77 and 70 basis points to 1.70% and 1.79% for the three
and six months ended December 31, 2023 compared to 2.47% and 2.49%
for the three and six months ended December 31, 2022, respectively.
Net interest margin decreased 63 and 54 basis points to 1.94% and
2.03%, for the three and six months ended December 31, 2023
compared to 2.57% for both the three and six months ended December
31, 2022, respectively. The decrease was due to the higher interest
rate environment and the pressure to match higher yields on
deposits, which resulted in higher rates paid on deposits and
therefore higher interest expense. This was partially offset by
increases in interest income on loans and securities, as they
reprice at higher yields and the interest rates earned on new
balances were higher than the historic low levels from the prior
period.
- Net interest income on a
taxable-equivalent basis includes the additional amount of
interest income that would have been earned if the Company’s
investment in tax-exempt securities and loans had been subject to
federal and New York State income taxes yielding the same after-tax
income. Tax equivalent net interest margin was 2.19% and 2.77% for
the three months ended December 31, 2023 and 2022, respectively,
and was 2.28% and 2.77% for the six months ended December 31, 2023
and 2022, respectively.
CECL Adoption
- The Company adopted the Current
Expected Credit Loss (CECL) accounting standard effective July 1,
2023. As a result of the day-one CECL adjustment, the Company
recognized a $1.3 million decrease to the allowance for credit
losses on loans, a $503,000 increase to the allowance for credit
losses on investment securities held-to-maturity, a $1.5 million
increase to the reserve for unfunded loan commitments, and a
$510,000 decrease to retained earnings, net of $186,000 in deferred
income taxes, compared to fiscal year end June 30, 2023.
Credit Quality and Provision for Credit Losses
on Loans
- Provision for credit
losses amounted to $170,000 and $244,000 for the three
months ended December 31, 2023 and 2022, respectively, and amounted
to a charge of $627,000 and a benefit of $255,000 for the six
months ended December 31, 2023 and 2022, respectively. The loan
provision for the six months ended December 31, 2023 was primarily
due to the growth in gross loans and increases in the qualitative
factor adjustments, offset by improvements in the economic
forecasts. The allowance for credit losses on loans to total loans
receivable was 1.39% at December 31, 2023 compared to 1.51% at June
30, 2023 and 1.42% at day-one CECL adoption (July 1, 2023).
- Loans classified
as substandard and special mention totaled $55.0 million at
December 31, 2023 and $41.9 million at June 30, 2023, an increase
of $13.1 million. There were no loans classified as doubtful or
loss at December 31, 2023 or June 30, 2023.
- Net charge-offs
amounted to $123,000 and $102,000 for the three months ended
December 31, 2023 and 2022, respectively, an increase of $21,000.
Net charge-offs totaled $216,000 and $217,000 for the six months
ended December 31, 2023 and 2022, respectively. There were no
significant charge offs in any loan segment during the three and
six months ended December 31, 2023.
- Nonperforming
loans amounted to $5.6 million at December 31, 2023 and
$5.5 million at June 30, 2023, respectively. The activity in
nonperforming loans during the period included $403,000 in loan
repayments, $19,000 in loans returning to performing status,
$46,000 in charge-offs or transfers to foreclosed, and $665,000 of
loans placed into nonperforming status. At December 31, 2023,
nonperforming assets were 0.22% of total assets compared to 0.21%
at June 30, 2023. Nonperforming loans were 0.39% of net loans at
December 31, 2023 and June 30, 2023.
Noninterest Income and Noninterest Expense
- Noninterest income
increased $583,000, or 20.1%, to $3.5 million for the three months
ended December 31, 2023 compared to $2.9 million for the three
months ended December 31, 2022. Noninterest income increased
$784,000, or 13.1%, to $6.8 million for the six months ended
December 31, 2023 compared to $6.0 million for the six months ended
December 31, 2022. The increase during the three and six months
ended December 31, 2023 was primarily due to an increase in fee
income earned on customer interest rate swap contracts and income
from bank owned life insurance.
- Noninterest
expense decreased $625,000 or 6.3% to $9.3 million for the
three months ended December 31, 2023 compared to $10.0 million for
the three months ended December 31, 2022. Noninterest expense
decreased $577,000 or 3.1%, to $18.2 million for the six months
ended December 31, 2023, compared to $18.7 million for the six
months ended December 31, 2022. The decrease during the three and
six months ended December 31, 2023 was primarily due to a
decrease in legal and professional fees, and service and data
processing fees paid as compared to the three and six months ended
December 31, 2022. This was partially offset by the increase in
computer software and supplies due to the Company purchasing new
equipment to upgrade our IT infrastructure, and an increase in
salaries and benefits expense, as compared to the three and six
months ended December 31, 2022.
Income Taxes
- Provision for income
taxes reflects the expected tax associated with the
pre-tax income generated for the given period and certain
regulatory requirements. The effective tax rate was 10.4% and 11.8%
for the three and six months ended December 31, 2023 and 16.5% and
15.7% for the three and six months ended December 31, 2022. The
statutory tax rate is impacted by the benefits derived from
tax-exempt bond and loan income, the Company’s real estate
investment trust subsidiary income, and income received on the bank
owned life insurance, to arrive at the effective tax rate. The
decrease in the current quarter’s effective tax rate was the result
of an increase in tax-exempt income proportional to total
income.
Balance Sheet Summary
- Total assets of
the Company were $2.74 billion at December 31, 2023 and $2.70
billion at June 30, 2023, an increase of $38.4 million or
1.42%.
- Total cash and cash
equivalents for the Company were $176.1 million at
December 31, 2023 and $196.4 million at June 30, 2023. The Company
has continued to maintain strong capital and liquidity positions as
of December 31, 2023.
- Securities
available-for-sale and held-to-maturity for the Company
were $1.0 billion at December 31, 2023 and June 30, 2023.
Securities purchases totaled $121.3 million during the six months
ended December 31, 2023 and consisted primarily of $119.7 million
of state and political subdivision securities and $1.6 million of
corporate debt securities. Principal pay-downs and maturities
during the six months ended December 31, 2023 amounted to $122.2
million, primarily consisting of $109.3 million of state and
political subdivision securities, $1.4 million of collateralized
mortgage obligations, and $11.5 million of mortgage-backed
securities.
- Net loans
receivable increased $49.2 million, or 3.6%, to $1.44
billion at December 31, 2023 from $1.39 billion at June 30,
2023. The loan growth experienced during the six months
consisted primarily of $29.8 million in commercial real estate
loans, $10.1 million in residential real estate loans, $3.4 million
in home equity loans and $4.9 million in commercial loans.
- Deposits totaled
$2.3 billion at December 31, 2023 and $2.4 billion at June 30,
2023, a decrease of $102.3 million, or 4.2%. NOW deposits decreased
$42.6 million, or 2.5%, noninterest-bearing deposits decreased
$21.6 million, or 13.6%, money market deposits decreased $23.3
million, or 20.2%, and savings deposits decreased $32.6 million, or
10.9%, when comparing December 31, 2023 and June 30, 2023.
Certificates of deposits increased $17.7 million, or 13.8%, when
comparing December 31, 2023 and June 30, 2023. As of
December 31, 2023, the overall brokered deposit balance amounted to
$64.1 million, which included $15.0 million of NOW deposits in the
form of IntraFi Insured Network Deposits and $49.1 million of
certificates of deposits in the form of brokered certificates of
deposits. As of June 30, 2023, the overall brokered deposits
balance amounted to $60.0 million of brokered certificates of
deposits. The Company maintained the increased level of brokered
deposits to support overall liquidity and a higher cash
position.
- Borrowings for the
Company amounted to $179.0 million at December 31, 2023 compared to
$49.5 million at June 30, 2023, an increase of $129.5 million. At
December 31, 2023, borrowings consisted of $49.6 million of
Fixed-to-Floating Rate Subordinated Notes, $125.0 million of
overnight borrowings with Federal Home Loan Bank of New York
(“FHLB”), and $4.4 million of long-term borrowings with the
FHLB.
- Shareholders’
equity increased to $195.3 million at December 31, 2023
from $183.3 million at June 30, 2023, resulting primarily from net
income of $12.2 million and a decrease in accumulated other
comprehensive loss of $2.3 million, partially offset by dividends
declared and paid of $2.0 million and the day-one CECL adoption
impact of $510,000.
Greene County Bancorp, Inc. is the direct and
indirect holding company for The Bank of Greene County, a federally
chartered savings bank, and Greene County Commercial Bank, a New
York-chartered commercial bank, both headquartered in Catskill, New
York. Our primary market area is the Hudson Valley Region and
Capital District Region in New York State. For more information on
Greene County Bancorp, Inc., visit www.tbogc.com.
This press release contains statements about
future events that constitute forward-looking statements within the
meaning of the Private Securities Litigation Reform Act of 1995.
Actual results could differ materially from those projected in the
forward-looking statements. Factors that might cause such a
difference include, but are not limited to, general economic
conditions, financial and regulatory changes, changes in interest
rates, regulatory considerations, competition, technological
developments, retention and recruitment of qualified personnel, and
market acceptance of the Company’s pricing, products and
services.
In addition to presenting information in
conformity with accounting principles generally accepted in the
United States of America (GAAP), this news release contains
financial information determined by methods other than GAAP
(non-GAAP). The following measures used in this release, which are
commonly utilized by financial institutions, have not been
specifically exempted by the Securities and Exchange Commission
("SEC") and may constitute "non-GAAP financial measures" within the
meaning of the SEC's rules. The Company has provided in this news
release supplemental disclosures for the calculation of net
interest margin utilizing a fully taxable-equivalent adjustment and
excluding provision for credit losses from net income. Management
believes that the non-GAAP financial measures disclosed by the
Company from time to time are useful in evaluating the Company's
performance and that such information should be considered as
supplemental in nature and not as a substitute for or superior to
the related financial information prepared in accordance
with GAAP. Our non-GAAP financial measures may differ
from similar measures presented by other companies. See the
reconciliation of GAAP to non-GAAP measures in the section "Select
Financial Ratios."
|
Greene
County Bancorp, Inc.Consolidated Statements of
Income, and Selected Financial Ratios (Unaudited) |
|
|
At or for the Three Months |
At or for the Six Months |
Dollars in
thousands, except share and per share data |
Ended December 31, |
Ended December 31, |
|
2023 |
|
|
2022 |
|
|
2023 |
|
|
2022 |
|
Interest income |
$25,593 |
|
$20,528 |
|
$50,265 |
|
$39,168 |
|
Interest expense |
|
13,205 |
|
|
4,605 |
|
|
24,438 |
|
|
7,411 |
|
Net interest income |
|
12,388 |
|
|
15,923 |
|
|
25,827 |
|
|
31,757 |
|
Provision for credit
losses6 |
|
170 |
|
|
244 |
|
|
627 |
|
|
(255 |
) |
Noninterest income |
|
3,478 |
|
|
2,895 |
|
|
6,777 |
|
|
5,993 |
|
Noninterest expense |
|
9,326 |
|
|
9,951 |
|
|
18,171 |
|
|
18,748 |
|
Income before taxes |
|
6,370 |
|
|
8,623 |
|
|
13,806 |
|
|
19,257 |
|
Tax provision |
|
663 |
|
|
1,425 |
|
|
1,630 |
|
|
3,023 |
|
Net income |
$5,707 |
|
$7,198 |
|
$12,176 |
|
$16,234 |
|
|
|
|
|
|
Basic and diluted EPS |
$0.34 |
|
$0.42 |
|
$0.72 |
|
$0.95 |
|
Weighted average shares
outstanding |
|
17,026,828 |
|
|
17,026,828 |
|
|
17,026,828 |
|
|
17,026,828 |
|
Dividends declared per share
4 |
$0.08 |
|
$0.07 |
|
$0.16 |
|
$0.14 |
|
|
|
|
|
|
Selected Financial
Ratios |
|
|
|
|
Return on average assets1 |
|
0.86% |
|
|
1.12% |
|
|
0.92% |
|
|
1.27% |
|
Return on average equity1 |
|
12.12% |
|
|
17.64% |
|
|
13.07% |
|
|
20.03% |
|
Net interest rate spread1 |
|
1.70% |
|
|
2.47% |
|
|
1.79% |
|
|
2.49% |
|
Net interest margin1 |
|
1.94% |
|
|
2.57% |
|
|
2.03% |
|
|
2.57% |
|
Fully taxable-equivalent net
interest margin2 |
|
2.19% |
|
|
2.77% |
|
|
2.28% |
|
|
2.77% |
|
Efficiency ratio3 |
|
58.78% |
|
|
52.88% |
|
|
55.73% |
|
|
49.66% |
|
Non-performing assets to total
assets |
|
|
|
0.22% |
|
|
0.21% |
|
Non-performing loans to net
loans |
|
|
|
0.39% |
|
|
0.39% |
|
Allowance for credit losses on
loans to non-performing loans6 |
|
|
|
359.58% |
|
|
414.52% |
|
Allowance for credit losses on
loans to total loans6 |
|
|
|
1.39% |
|
|
1.60% |
|
Shareholders’ equity to total
assets |
|
|
|
7.14% |
|
|
6.43% |
|
Dividend payout ratio4 |
|
|
|
22.22% |
|
|
14.74% |
|
Actual dividends paid to net
income5 |
|
|
|
16.35% |
|
|
6.76% |
|
Book value per share |
|
|
$11.47 |
|
$9.88 |
|
1 Ratios are annualized when necessary.2
Interest income calculated on a taxable-equivalent basis includes
the additional interest income that would have been earned if the
Company’s investment in tax-exempt securities and loans had been
subject to federal and New York State income taxes yielding the
same after-tax income. The rate used for this adjustment was 21%
for federal income taxes for the three and six months ended
December 31, 2023 and 2022, 4.44% for New York State income taxes
for the three and six months ended December 31, 2023 and 2022. The
following table summarizes the adjustments made to arrive at the
fully taxable-equivalent net interest margins.
|
For the three months ended December 31, |
For the six months ended December 31, |
(Dollars in thousands) |
|
2023 |
|
|
2022 |
|
|
2023 |
|
|
2022 |
|
Net interest income
(GAAP) |
$12,388 |
|
$15,923 |
|
$25,827 |
|
$31,757 |
|
Tax-equivalent adjustment |
|
1,591 |
|
|
1,283 |
|
|
3,154 |
|
|
2,407 |
|
Net interest income (fully
taxable-equivalent basis) |
$13,979 |
|
$17,206 |
|
$28,981 |
|
$34,164 |
|
|
|
|
|
|
Average interest-earning
assets |
$2,551,427 |
|
$2,482,976 |
|
$2,543,172 |
|
$2,468,727 |
|
Net interest margin (fully
taxable-equivalent basis) |
|
2.19% |
|
|
2.77% |
|
|
2.28% |
|
|
2.77% |
|
3 The efficiency ratio has been calculated as
noninterest expense divided by the sum of net interest income and
noninterest income.4 The dividend payout ratio has been calculated
based on the dividends declared per share divided by basic earnings
per share. No adjustments have been made to account for dividends
waived by Greene County Bancorp, MHC (“MHC”), the Company’s
majority shareholder, owning 54.1% of the shares outstanding. 5
Dividends declared divided by net income. The MHC waived its right
to receive dividends declared during the three months March 31,
2022, September 30, 2022, December 31, 2022, March 31, 2023, June
30, 2023 and December 31, 2023. Dividends declared during the three
months ended June 30, 2022 and September 30, 2023 were paid to the
MHC. 6 The Company adopted the CECL accounting standard effective
July 1, 2023.
The above information is preliminary and based
on the Company’s data available at the time of presentation.
|
Greene
County Bancorp, Inc.Consolidated Statements of
Financial Condition (Unaudited) |
|
|
AtDecember 31, 2023 |
|
AtJune 30, 2023 |
(Dollars In thousands, except
share data) |
|
|
|
Assets |
|
|
|
Cash and due from banks |
$12,147 |
|
|
$15,305 |
|
Interest-bearing deposits |
|
163,933 |
|
|
|
181,140 |
|
Total cash and cash equivalents |
|
176,080 |
|
|
|
196,445 |
|
|
|
|
|
Long term certificate of
deposit |
|
3,822 |
|
|
|
4,576 |
|
Securities available-for-sale,
at fair value |
|
307,809 |
|
|
|
281,133 |
|
Securities held-to-maturity,
at amortized cost, net of allowance for credit losses of $485 at
December 31, 20236 |
|
701,338 |
|
|
|
726,363 |
|
Equity securities, at fair
value |
|
325 |
|
|
|
306 |
|
Federal Home Loan Bank stock,
at cost |
|
7,654 |
|
|
|
1,682 |
|
|
|
|
|
Loans receivable |
|
1,457,175 |
|
|
|
1,408,866 |
|
Less: Allowance for credit
losses on loans6 |
|
(20,309 |
) |
|
|
(21,212 |
) |
Net loans receivable |
|
1,436,866 |
|
|
|
1,387,654 |
|
|
|
|
|
Premises and equipment |
|
15,232 |
|
|
|
15,028 |
|
Bank owned life insurance |
|
56,003 |
|
|
|
55,063 |
|
Accrued interest
receivable |
|
14,499 |
|
|
|
12,249 |
|
Foreclosed real estate |
|
302 |
|
|
|
302 |
|
Prepaid expenses and other
assets |
|
17,243 |
|
|
|
17,482 |
|
Total assets |
$2,736,688 |
|
|
$2,698,283 |
|
|
|
|
|
Liabilities and shareholders’ equity |
|
|
|
Noninterest bearing deposits |
$137,424 |
|
|
$159,039 |
|
Interest bearing deposits |
|
2,197,413 |
|
|
|
2,278,122 |
|
Total deposits |
|
2,334,837 |
|
|
|
2,437,161 |
|
|
|
|
|
Borrowings from FHLB,
short-term |
|
125,000 |
|
|
|
- |
|
Borrowings from FHLB,
long-term |
|
4,374 |
|
|
|
- |
|
Subordinated notes
payable |
|
49,588 |
|
|
|
49,495 |
|
Accrued expenses and other
liabilities |
|
27,593 |
|
|
|
28,344 |
|
Total liabilities |
|
2,541,392 |
|
|
|
2,515,000 |
|
Total shareholders’
equity |
|
195,296 |
|
|
|
183,283 |
|
Total liabilities and shareholders’ equity |
$2,736,688 |
|
|
$2,698,283 |
|
Common shares outstanding |
|
17,026,828 |
|
|
|
17,026,828 |
|
Treasury shares |
|
195,852 |
|
|
|
195,852 |
|
|
|
|
|
6 The Company adopted the CECL accounting standard effective
July 1, 2023.
The above information is preliminary and based on the Company’s
data available at the time of presentation.
For Further Information
Contact:Donald E. GibsonPresident & CEO(518)
943-2600donaldg@tbogc.com
Michelle M. Plummer, CPA, CGMASEVP, COO &
CFO(518) 943-2600michellep@tbogc.com
Greene County Bancorp (NASDAQ:GCBC)
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Greene County Bancorp (NASDAQ:GCBC)
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