Greene County Bancorp is the holding company for the Bank of Greene County, a community savings bank founded in 1889 and headquartered in Catskill, New York. The bank operates 18 branches across the Hudson Valley and Capital District regions of New York State, primarily serving Greene, Columbia, Albany, Ulster, and Rensselaer Counties. The core business is traditional community banking: gathering deposits from local residents, businesses, and municipalities, then lending those funds back into the community through real estate-secured loans. The loan portfolio spans residential mortgages (the largest category), commercial real estate, consumer loans, and commercial business loans. Beyond lending, the bank holds a large securities portfolio of municipal bonds and mortgage-backed securities for income generation and interest rate risk management. The bank earns net interest income on the spread between loan and securities yields and deposit costs, retaining most originated loans rather than selling them. The bank also has two subsidiaries: Greene County Commercial Bank, a limited-purpose commercial bank that exclusively accepts deposits from governmental entities and held $1.2B in deposits as of June 2025, and Greene Property Holdings, a REIT that holds certain mortgages for tax efficiency. The municipal deposit franchise is a notable funding advantage, providing a stable, low-cost deposit base. The bank's geographic focus is entirely within its defined New York markets, tying its performance closely to local economic drivers including state government employment in Albany and tourism in the Catskills.