Financial insights of GCBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$10,522K
EPS
$0.62
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans	22,100	22,413	21,973	19,996*
Investment securities - tax exempt	5,543	5,422	5,266	4,912*
Investment securities - taxable	4,578	4,752	3,910	3,644*
Interest-bearing deposits and federal funds sold	357	910	474	876*
Total interest income	32,578	33,497	31,623	29,427*
Interest on deposits	11,975	13,925	13,363	13,765*
Interest on borrowings	417	513	740	632*
Total interest expense	12,392	14,438	14,103	14,396*
Net interest income	20,186	19,059	17,520	15,031*
Provision for credit losses	451	199	1,257	329*
Net interest income after provision for credit losses	19,735	18,860	16,263	14,702*
Service charges on deposit accounts	1,185	1,306	1,298	1,218*
Debit card fees	1,178	1,103	1,100	1,096*
Investment services	298	271	277	272*
E-commerce fees	34	29	27	28*
Bank-owned life insurance	708	674	652	636*
Net loss on sale of securities available-for-sale	-	-576	-	-166*
Other operating income	296	349	632	725*
Total noninterest income	3,699	3,156	3,986	3,808*
Salaries and employee benefits	6,783	6,223	6,156	6,104*
Occupancy expense	823	656	653	657*
Equipment and furniture expense	173	214	205	198*
Service and data processing fees	833	781	787	733*
Computer software, supplies and support	543	558	440	408*
Advertising and promotion	111	147	100	122*
Fdic insurance premiums	373	370	367	343*
Legal and professional fees	280	479	406	338*
Other	1,356	1,031	947	941*
Total noninterest expense	11,275	10,459	10,061	9,843*
Income before provision for income taxes	12,159	11,557	10,188	8,667*
Provision for income taxes	1,637	1,265	1,318	882*
Net income	10,522	10,292	8,870	7,785

Basic EPS	0.62	0.6	0.52	0.457
Diluted EPS	0.62	0.6	0.52	0.457
Basic Average Shares	17,026,828	17,026,828	17,026,828	17,026,828
Diluted Average Shares	17,026,828	17,026,828	17,026,828	17,026,828

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$10,522K
EPS
$0.62
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$10,522K
EPS
$0.62
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$10,522KEPS$0.62Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$10,522KEPS$0.62Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$10,522K
EPS
$0.62
Unit: Thousand (K) dollars

Net Income
$10,522K
EPS
$0.62
Unit: Thousand (K) dollars