Greene County Bancorp, Inc. is a bank holding company that operates the Bank of Greene County, a federally chartered savings bank serving the Hudson Valley and Capital District regions of New York State. The Bank's core business is attracting retail deposits through its branch network and investing those funds primarily in residential and commercial real estate mortgage loans, consumer loans, and home equity loans, while also maintaining investments in high-quality securities including mortgage-backed securities and municipal obligations. The Bank generates revenue from interest income on its loan and securities portfolios, deposit account service fees, loan origination fees, and various ancillary banking services, relying on competitive pricing, customer service, and long-standing relationships to retain its customer base.