Greene County Bancorp, Inc. (GCBC) Balance Sheet
GCBC balance sheet, FY2026
June 30, 2026 · U.S. dollars$3.18B assets = $2.91B liabilities + $277.8M equity
Both columns are drawn to the same scale: what GCBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
GCBC financial health
Debt / equity0.56
Moderate leverage · $0.56 of debt for each $1 of equity
Cash / debt248.9%
Cash covers debt · cash & short-term investments vs total debt
Goodwill & intangibles0.0%
Mostly tangible · of total assets
Descriptive bands, not a rating. Fiscal FY2026.
GCBC balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $982.3MFY2017 | $3.18BFY2026 | +14.0%/yr | |
| Total liabilities | $898.8MFY2017 | $2.91BFY2026 | +13.9%/yr | |
| Shareholders’ equity | $83.5MFY2017 | $277.8MFY2026 | +14.3%/yr | |
| Cash & short-term investments | $109.9MFY2017 | $386.1MFY2026 | +15.0%/yr | |
| Total debt | $29.6MFY2017 | $155.1MFY2026 | +20.2%/yr | |
| Net cash (debt) | $80.4MFY2017 | $231.0MFY2026 | +$150.6M | |
| Working capital | −$758.4MFY2017 | −$89.5MFY2026 | +$668.9M | |
| Book value per share | $4.91FY2017 | $16.32FY2026 | +14.3%/yr | |
| Debt / equity | 0.35FY2017 | 0.56FY2026 | +0.20 | |
| Shares outstanding | 17.0MFY2017 | 17.0MFY2026 | −0.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
GCBC assets
Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current
GCBC liabilities and equity
Current liabilitiesLong-term debtOther long-term liabilitiesEquity
GCBC debt vs cash
Total debtCash & ST investmentsNet cash (debt)
Debt includes short- and long-term borrowings and, where reported, lease obligations.
GCBC balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $386.1M | $504.3M | $543.2M | $482.2M | $481.2M | $545.2M | $271.2M | $155.1M | $149.7M | $109.9M |
| Cash & equivalents | $12.3M | $184.5M | $193.2M | $201.0M | $73.1M | $154.3M | $44.5M | $32.4M | $28.9M | $18.4M |
| Short-term investments | $373.8M | $319.8M | $350.0M | $281.1M | $408.1M | $390.9M | $226.7M | $122.7M | $120.8M | $91.5M |
| Receivables | $17.2M | $16.4M | $14.3M | $12.2M | $8.9M | $7.8M | $8.2M | $5.9M | $5.1M | $4.0M |
| Inventory | $0 | $0 | −$261.9M | −$213.6M | −$82.1M | −$162.2M | −$52.7M | −$38.3M | $668.0M | $598.8M |
| Other current assets | $0 | $0 | $261.9M | $231.1M | $97.3M | $170.6M | $57.8M | $41.5M | $0 | $0 |
| Total current assets | $29.5M | $520.7M | $557.5M | $511.9M | $505.3M | $561.5M | $284.5M | $164.2M | $157.3M | $117.7M |
| Property, plant & equipment (net) | $14.8M | $15.2M | $15.6M | $15.0M | $14.4M | $14.1M | $13.7M | $13.3M | $13.3M | $13.6M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $1.18B | $1.13B | $1.04B | $1.01B | $1.17B | $888.1M | $610.6M | $1.21B | $979.0M | $848.0M |
| Other non-current assets | $1.96B | $1.37B | $1.21B | $1.16B | $881.9M | $736.6M | $768.0M | $0 | $1.9M | $2.9M |
| Total assets | $3.18B | $3.04B | $2.83B | $2.70B | $2.57B | $2.20B | $1.68B | $1.27B | $1.15B | $982.3M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $28.3M | $28.4M | $2.01B | $1.50B | $14.9M | $11.9M | $9.7M |
| Short-term debt | $119.0M | $74.0M | $115.3M | $455,000 | $123.7M | $3.0M | $17.9M | $8.0M | $5.5M | $6.9M |
| Total current liabilities | $119.0M | $2.71B | $2.50B | $2.49B | $2.36B | $2.03B | $1.54B | $1.14B | $1.04B | $876.1M |
| Long-term debt | $36.1M | $54.1M | $83.8M | $49.5M | $49.3M | $19.6M | $25.5M | $13.6M | $18.1M | $22.6M |
| Other long-term liabilities | $2.75B | $33.9M | $31.4M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $2.91B | $2.80B | $2.62B | $2.52B | $2.41B | $2.05B | $1.55B | $1.16B | $1.06B | $898.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $861,000 | $861,000 | $861,000 | $861,000 | $861,000 |
| Retained earnings (deficit) | $278.4M | $241.4M | $214.7M | $193.7M | $165.1M | $139.8M | $118.3M | $101.8M | $86.2M | $73.1M |
| Treasury stock | — | — | — | — | −$908,000 | −$908,000 | −$908,000 | −$277,000 | −$277,000 | −$410,000 |
| Accumulated other comprehensive income | −$11.5M | −$13.5M | −$19.7M | −$21.4M | −$18.4M | −$1.2M | −$428,000 | −$1.0M | −$1.6M | −$992,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $277.8M | $238.8M | $206.0M | $183.3M | $157.7M | $149.6M | $128.8M | $112.4M | $96.2M | $83.5M |
| Key figures | ||||||||||
| Total debt | $155.1M | $128.1M | $199.1M | $49.5M | $173.0M | $22.6M | $25.5M | $21.6M | $18.1M | $29.6M |
| Net cash (debt) | $231.0M | $376.3M | $344.1M | $432.7M | $308.2M | $522.6M | $245.8M | $133.5M | $131.5M | $80.4M |
| Working capital | −$89.5M | −$2.19B | −$1.95B | −$1.98B | −$1.86B | −$1.47B | −$1.26B | −$979.3M | −$879.8M | −$758.4M |
| Tangible book value | $277.8M | $238.8M | $206.0M | $183.3M | $157.7M | $149.6M | $128.8M | $112.4M | $96.2M | $83.5M |
| Book value per share | $16.32 | $14.03 | $12.10 | $10.76 | $9.26 | $8.79 | $7.55 | $6.58 | $5.64 | $4.91 |
| Shares outstanding | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.1M | 17.1M | 17.1M | 17.0M |
| Current ratio | 0.25 | 0.19 | 0.22 | 0.21 | 0.21 | 0.28 | 0.18 | 0.14 | 0.15 | 0.13 |
| Quick ratio | 3.39 | 0.19 | 0.22 | 0.20 | 0.21 | 0.27 | 0.18 | 0.14 | 0.15 | 0.13 |
| Debt / equity | 0.56 | 0.54 | 0.97 | 0.27 | 1.10 | 0.15 | 0.20 | 0.19 | 0.19 | 0.35 |
| Equity / assets | 8.7% | 7.9% | 7.3% | 6.8% | 6.1% | 6.8% | 7.7% | 8.9% | 8.4% | 8.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $386.1M | $492.6M | $510.2M | $471.3M | $504.3M | $474.7M | $543.5M | $580.6M | $543.2M | $604.4M | $487.7M | $443.0M |
| Cash & equivalents | $12.3M | $140.7M | $125.3M | $156.0M | $184.5M | $157.1M | $169.0M | $216.0M | $193.2M | $258.9M | $179.9M | $134.3M |
| Short-term investments | $373.8M | $352.0M | $384.9M | $315.3M | $319.8M | $317.6M | $374.5M | $364.5M | $350.0M | $345.5M | $307.8M | $308.7M |
| Receivables | $17.2M | $20.1M | $18.0M | $17.3M | $16.4M | $18.4M | $16.6M | $14.9M | $14.3M | $16.8M | $14.5M | $13.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$1.89B | −$204.7M | −$1.73B | $1.24B | −$148.4M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.89B | $204.7M | $1.73B | $0 | $148.4M |
| Total current assets | $29.5M | $512.7M | $528.2M | $488.6M | $520.7M | $493.2M | $560.1M | $595.5M | $557.5M | $621.2M | $502.2M | $456.8M |
| Property, plant & equipment (net) | $14.8M | $15.0M | $15.3M | $15.4M | $15.2M | $15.2M | $15.4M | $15.5M | $15.6M | $15.7M | $15.2M | $15.3M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $1.18B | $1.18B | $1.22B | $1.14B | $1.13B | $1.14B | $1.15B | $1.07B | $1.04B | $1.05B | $1.01B | $1.02B |
| Other non-current assets | $1.96B | $1.47B | $1.38B | $1.42B | $1.37B | $1.36B | $1.24B | $1.20B | $1.21B | $1.19B | $1.21B | $1.20B |
| Total assets | $3.18B | $3.18B | $3.15B | $3.06B | $3.04B | $3.01B | $2.97B | $2.87B | $2.83B | $2.87B | $2.74B | $2.69B |
| Liabilities | ||||||||||||
| Short-term debt | $119.0M | $73.2M | $180.0M | $429,000 | $74.0M | $42.0M | $194.1M | $63.0M | $115.3M | $2.0M | $125.0M | $4.8M |
| Total current liabilities | $119.0M | $2.85B | $2.82B | $2.72B | $2.71B | $2.70B | $2.66B | $2.55B | $2.50B | $2.56B | $2.46B | $2.42B |
| Long-term debt | $36.1M | $34.1M | $34.1M | $54.1M | $54.1M | $52.0M | $56.8M | $79.5M | $83.8M | $83.8M | $54.0M | $53.9M |
| Other long-term liabilities | $2.75B | $33.7M | $33.6M | $33.1M | $33.9M | $30.2M | $29.2M | $29.9M | $31.4M | $29.4M | $27.6M | $29.6M |
| Total liabilities | $2.91B | $2.91B | $2.89B | $2.81B | $2.80B | $2.78B | $2.75B | $2.66B | $2.62B | $2.67B | $2.54B | $2.50B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M | $1.7M |
| Retained earnings (deficit) | $278.4M | $267.8M | $259.0M | $249.5M | $241.4M | $232.8M | $225.4M | $219.5M | $214.7M | $208.6M | $203.4M | $198.3M |
| Accumulated other comprehensive income | −$11.5M | −$11.2M | −$11.7M | −$12.3M | −$13.5M | −$14.7M | −$17.9M | −$14.1M | −$19.7M | −$20.4M | −$19.1M | −$25.1M |
| Total shareholders' equity | $277.8M | $267.6M | $258.3M | $248.2M | $238.8M | $229.0M | $218.4M | $216.3M | $206.0M | $199.2M | $195.3M | $184.2M |
| Key figures | ||||||||||||
| Total debt | $155.1M | $107.3M | $214.1M | $54.1M | $128.1M | $94.0M | $250.8M | $142.5M | $199.1M | $85.8M | $179.0M | $53.9M |
| Net cash (debt) | $231.0M | $385.3M | $296.1M | $417.2M | $376.3M | $380.7M | $292.6M | $438.1M | $344.1M | $518.6M | $308.7M | $389.1M |
| Working capital | −$89.5M | −$2.33B | −$2.29B | −$2.23B | −$2.19B | −$2.20B | −$2.10B | −$1.95B | −$1.95B | −$1.94B | −$1.96B | −$1.96B |
| Tangible book value | $277.8M | $267.6M | $258.3M | $248.2M | $238.8M | $229.0M | $218.4M | $216.3M | $206.0M | $199.2M | $195.3M | $184.2M |
| Book value per share | $16.32 | $15.72 | $15.17 | $14.58 | $14.03 | $13.45 | $12.83 | $12.70 | $12.10 | $11.70 | $11.47 | $10.82 |
| Shares outstanding | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M |
| Current ratio | 0.25 | 0.18 | 0.19 | 0.18 | 0.19 | 0.18 | 0.21 | 0.23 | 0.22 | 0.24 | 0.20 | 0.19 |
| Quick ratio | 3.39 | 0.18 | 0.19 | 0.18 | 0.19 | 0.18 | 0.21 | 0.23 | 0.22 | 0.24 | 0.20 | 0.19 |
| Debt / equity | 0.56 | 0.40 | 0.83 | 0.22 | 0.54 | 0.41 | 1.15 | 0.66 | 0.97 | 0.43 | 0.92 | 0.29 |
| Equity / assets | 8.7% | 8.4% | 8.2% | 8.1% | 7.9% | 7.6% | 7.4% | 7.5% | 7.3% | 6.9% | 7.1% | 6.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed September 9, 2026); data from EODHD.
GCBC financial position
At the end of fiscal 2026 (June 30, 2026), Greene County Bancorp had total assets of $3.2 billion (up 4.7% from a year earlier), total liabilities of $2.9 billion and shareholders' equity of $277.8 million. It held $386.1 million in cash and short-term investments against $155.1 million of debt, a net cash position of $231.0 million. Its current ratio was 0.25.
Related: GCBC income statement, GCBC cash flow statement, GCBC key metrics. See the GCBC stock overview for the latest quote and news.
GCBC balance sheet FAQ
What are Greene County Bancorp's total assets?
Greene County Bancorp reported total assets of $3.2 billion at the end of fiscal 2026 (June 30, 2026), compared with $3.0 billion a year earlier.
How much debt does Greene County Bancorp have?
Greene County Bancorp had $155.1 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.56.
How much cash does Greene County Bancorp have?
Greene County Bancorp held $386.1 million in cash and short-term investments at the end of fiscal 2026; with $155.1 million of debt that is net cash of $231.0 million.
What is Greene County Bancorp's book value?
Greene County Bancorp's shareholders' equity (book value) was $277.8 million at the end of fiscal 2026, or $16.32 per share.
What is Greene County Bancorp's current ratio?
Greene County Bancorp had current assets of $29.5 million and current liabilities of $119.0 million, a current ratio of 0.25 (current liabilities exceed current assets).