Greene County Bancorp is a bank holding company that provides community banking services in New York's Hudson Valley and Capital District. The company operates primarily through two banking subsidiaries: Bank of Greene County and Greene County Commercial Bank. Its core operations consist of gathering deposits from retail, commercial, and municipal customers and deploying those funds into loans and investment securities. The company's lending activities focus primarily on residential mortgages and commercial real estate loans, supplemented by consumer loans and commercial business financing. Greene County Commercial Bank operates as a specialized subsidiary dedicated to accepting deposits from local government entities and investing in collateralized securities. Greene County Bancorp generates revenue through net interest income, earning the spread between yields on loans and securities and the interest paid on customer deposits and borrowings. The company retains most originated loans in its portfolio rather than selling them into secondary markets, and earns supplementary fee income from deposit account services, payment card processing, and investment referrals.