MASHINIi

Greene County Bancorp, Inc..

GCBC.US | Other monetary intermediation

Greene County Bancorp, Inc. operates as the holding company for The Bank of Greene County, which provides various banking products and services to individuals and businesses in New York. It accepts various deposit products, including checking, savings, and term certificate accounts. The company's lo...Show More

Ethical Profile

Mixed.

Greene County Bancorp (GCBC.US) presents a mixed ethical picture. Its charitable foundation has awarded over $3 million in grants since inception, including $556,000 in 2024 for health and wellness, and $421,000 for community initiatives. GCBC also earned a NYS Senate Empire Award for aiding local businesses with PPP loans. While the bank reports investments in renewable energy and carbon offsets, comprehensive data on its environmental impact remains unavailable. Information on fair pay, economic opportunity practices, and cybersecurity is currently insufficient for a complete assessment.

Value Scores

Better Health for All-40
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect10
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-10
-100100
Kind to Animals-10
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-40
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

-40

The Bank of Greene County Charitable Foundation supports organizations focused on health and wellness.

1
The projected grant awards for 2024 total $556,000.
2
This amount represents approximately 0.96% of the company's Net Interest Income of $58.0 million for the fiscal year ended June 30, 2022.
3
Since its inception in 1998, the foundation has awarded over $3 million in grants to local non-profit organizations.
4

Fair Money & Economic Opportunity

0

No evidence available to assess Greene County Bancorp, Inc. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

10

The company's overall employee satisfaction rating is 3.867 out of 5 stars, based on employee reviews.

1
This translates to approximately 77.34% on a 100-point scale.

Fair Trade & Ethical Sourcing

0

Greene County Bancorp, Inc. (GCBC.US) operates as a bank holding company, providing banking and wealth management services.

1
Its business model does not involve the procurement or trade of physical commodities, nor does it have a supply chain of goods that would typically be subject to fair-trade certifications, ethical sourcing audits, or risks of forced/child labor. Therefore, KPIs related to fair-trade certifications, supply-chain audits, forced/child labor incidents, traceability of physical goods, remediation of sourcing violations, ethical sourcing clauses in commodity contracts, and high-risk material spend are not applicable to its operations. No evidence was found regarding supplier diversity spend.
2

Honest & Fair Business

-10

Greene County Bancorp, Inc. has a Code of Conduct and Ethics that requires prompt internal reporting of violations, allows for anonymous and confidential complaints, and includes a non-retaliation clause for good faith reports.

1
Concerns about accounting, internal controls, or auditing can be made directly to the Chairman of the Audit Committee.
2
The company will retain a record of all concerns and complaints, and the results of its investigations, for five years.
3
The company has had zero financial restatements in the past five years.
4
Its anti-corruption policy prohibits bribes and kickbacks, and limits political donations by Greene County Commercial Bank to $5,000 annually, approved by the CEO or CFO.
5
The board's conflict of interest policy requires annual affirmation of compliance from executive officers and directors, and mandates Audit Committee approval for conflicts involving directors or executive officers, with gifts over $100 needing to be reported to HR.
6
The company has a fully integrated third-party risk management program to identify, assess, monitor, and mitigate risks associated with third-party relationships, including cybersecurity risks.
7

Kind to Animals

-10

Greene County Bancorp, Inc. is a financial institution, and as such, most animal welfare KPIs are not applicable to its core business operations, including cruelty-free certification, animal testing, humane certifications for operations, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal agriculture ethics, and R&D for animal-free alternatives. The bank's charitable foundation awarded $550,000 to hundreds of nonprofit groups in fiscal 2025.

1
Based on an annualized interest income of $114.374 million for H1 2024, this represents approximately 0.48% of revenue.
2
The bank provided grants to organizations such as Harlem Valley Rail Trail, Greene Land Trust, and Mountain Top Arboretum, which may have a wildlife conservation impact, and also supported animal welfare organizations like Remedios Cat Rescue Inc. with a $100 grant in 2024, and others including Precious Pound Pups Inc., Parrots for Peace, and Sanctuary for Farm Animals.
3
However, there is no evidence of strategic focus or outcome tracking for these conservation projects.

No War, No Weapons

0

Greene County Bancorp, Inc. operates as a bank providing financial products and services, including various deposit and loan products, and wealth management services, primarily in New York. Its core business activities, as described, do not involve arms manufacturing, military contracts, dual-use technology, or any other defense-related operations.

1
The provided articles, including financial reports, explicitly state that no data relevant to the 'No War, No Weapons' criteria was found for GCBC.US.
2
Therefore, all relevant KPIs are scored as N/A, indicating no defense or arms-related activities in its core business or operations.

Planet-Friendly Business

-40

Greene County Bancorp, Inc. invested $250,000 in local ecosystem restoration, specifically mentioning three watershed projects.

1
The company has no reported environmental compliance violations.
2
Additionally, it invested $85,000 in community recycling programs and $175,000 in environmental education grants.
3

Respect for Cultures & Communities

0

No specific, concrete data points were found in the provided articles to assess Greene County Bancorp, Inc. against any of the defined KPIs for 'Respect for Cultures & Communities'. The articles primarily focus on financial performance, general charitable donations, and employment opportunities, without providing metrics on cultural impact, community partnerships, local employment ratios, or specific allocations to cultural preservation.

1

Safe & Smart Tech

0

The company has not experienced any material losses relating to cybersecurity threats or incidents for the years ended June 30, 2024, and June 30, 2025.

1
An employee security awareness training program has been developed, includes continuous end-user training, and mandatory training for the Information Security Officer and Chief Information Officer.
2
All new employees and annually all employees are required to sign an acknowledgement of the Code of Business Conduct and Ethics.
3
The company has an Incident Response Plan to guide actions for real and suspected information security incidents, including unlawful or unauthorized actions.
4
The Bank is subject to FDIC regulations regarding the privacy protection provisions of the Gramm-Leach-Bliley Act and certain state laws, requiring disclosure of its privacy policy and an opt-out option for sharing non-public personal information with unaffiliated third parties.
5
Federal regulatory statements indicate that financial institutions should design multiple layers of security controls for customer authentication, including measures to reliably authenticate customers accessing internet-based services.
6
The company employs comprehensive methodologies for risk assessment, diligently identifies and evaluates potential cybersecurity threats and vulnerabilities, and conducts regular examinations of emerging threats, penetration tests, vulnerability scanning, and system audits.
7
The company and its subsidiaries are subject to many federal and state laws, regulations, and regulatory interpretations related to cybersecurity and privacy.
8

Zero Waste & Sustainable Products

0

No evidence available to assess Greene County Bancorp, Inc. on Zero Waste & Sustainable Products.

Own Greene County Bancorp, Inc.?

Upload your portfolio and see how all your holdings score across 11 ethical dimensions.

Audit My Portfolio

AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.