Greene County Bancorp, Inc. is a holding company of The Bank of Greene County (the Bank). The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branches and investing those deposits, together with funds generated from operations and borrowings, primarily in residential mortgage loans, commercial real estate mortgage loans, consumer loans, home equity loans and commercial business loans. In addition, the Bank invests a significant portion of its assets in state and political subdivision securities and mortgage-backed securities. The Bank engaged in residential and commercial real estate mortgages, consumer and commercial loans, and other types of securities, as well as deposit accounts, debit card and life insurance. The Bank offers investment alternatives for customers. The Bank’s subsidiaries include, Greene County Commercial Bank, a commercial bank and Greene Property Holdings, Ltd, a real estate investment trust.