GCBC 最新10-K变化
将 GCBC 最新的定期申报(10-K/10-Q)与上一份同类型申报逐章节对比:每个章节新增/删除的段落数与原文摘录。全部为确定性文本对比——无相似度评分、无方向判断、非投资建议。
对比:10-K · 2026-09-09 与上一份 10-K · 2025-09-05
| 章节 | 结果 | 新增 | 删除 | 微调 | 未变 |
|---|---|---|---|---|---|
| 业务概况 | 文字有新增/删除 | +8 | −10 | ~75 | 74 |
| 风险因素 | 文字有新增/删除 | 0 | 0 | ~6 | 11 |
| 法律诉讼 | 无段落级文字变化 | 0 | 0 | 0 | 1 |
| 管理层讨论与分析 | 文字有新增/删除 | +43 | −45 | ~62 | 54 |
| 市场风险(第7A项) | 文字有新增/删除 | 0 | 0 | ~7 | 11 |
计数单位为段落;"新增/删除"指相对上一份文件新增/删除的文字,不含方向或好坏判断。
代表性摘录
每个章节最多 5 条、每条约 300 字符的原文摘录,直接来自两份 SEC 文件。
业务概况
相对上期新增的文字 · 来源:10-K · 2026-09-09
Commercial lending generally involves greater risk and risks that are different from those associated with residential and commercial real estate mortgage lending. Commercial lending is generally considered to be cash flow and collateral based. Accordingly, the repayment of a commercial loan depends…
As needed, to enhance strong levels of liquidity and to fund loan demand, the Bank and the Commercial Bank (the “Banks”) may accept brokered deposits, generally in denominations of less than $250,000, from national brokerage networks, custodial deposit networks or through IntraFi’s one-way Certifica…
Capital Framework. In July 2013, U.S. banking regulators approved the final rules to Basel III and established new capital standards, called “The Capital Rules”. The Capital Rules revised the definitions and components of regulatory capital and addressed other regulatory deficiencies.
In addition to establishing the minimum regulatory capital requirements, the Capital Rules require an additional “capital conservation buffer”, which must consist entirely of CET1, and added to each of the minimum required risk-based capital ratios. The capital conservation buffers’ purpose is to ab…
Federal banking agencies, including the OCC, issued a rule in accordance with The Economic Growth Regulatory Relief and Consumer Protection Act of 2018 (“the Regulatory Relief Act”) to establish for qualifying institutions with total consolidated assets of less than $10 billion a “community bank lev…
相对上期删除的文字 · 来源:10-K · 2025-09-05
Commercial lending generally involves greater risk than residential mortgage lending and involves risks that are different from those associated with residential and commercial real estate mortgage lending. Commercial lending is generally considered to be cash flow and collateral based, with loan am…
In efforts to enhance strong levels of liquidity and to fund loan demand, the Bank and the Commercial Bank (the “Banks”) may accept brokered deposits, generally in denominations of less than $250,000, from national brokerage networks, custodial deposit networks or through IntraFi’s one-way CDARS and…
Capital Requirements. Federal regulations require FDIC-insured depository institutions, including federal savings associations, to meet several minimum capital standards: a Common Equity Tier 1 capital to total risk-weighted assets ratio, a Tier 1 capital to total risk-weighted assets ratio, a total…
In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weig…
Federal law requires the federal banking agencies, including the OCC, to establish for institutions with assets of less than $10 billion a “community bank leverage ratio” between 8.0% to 10.0%. Institutions with capital complying with the ratio and otherwise meeting the specified requirements (inclu…
管理层讨论与分析
相对上期新增的文字 · 来源:10-K · 2026-09-09
This annual report contains forward-looking statements within the meaning of the Private Securities Litigation reform Act of 1995, which describes the future plans, strategies and expectations of the Company. Greene County Bancorp, Inc. desires to take advantage of the “safe harbor” provisions of th…
changes in asset quality, or fluctuations in real estate values,
cybersecurity risks, failures or breaches of our IT security systems,
changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio,
our ability to introduce new products and services and capitalize on growth opportunities,
相对上期删除的文字 · 来源:10-K · 2025-09-05
This annual report contains forward-looking statements. Greene County Bancorp, Inc. desires to take advantage of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 and is including this statement for the express purpose of availing itself of the protections of the s…
(d) continued period of high inflation could adversely impact customers,
(9) The Company adopted the CECL accounting standard effective July 1, 2023. For periods subsequent to adoption, the allowance is calculated under the CECL methodology. The periods prior to adoption, the allowance calculation was based on the incurred loss methodology.
Greene County Bancorp, Inc. (the “Company”) is the holding company for the Bank of Greene County (the “Bank”), a community-based bank offering a variety of financial services to meet the needs of the communities it serves. Greene County Bancorp, Inc.’s stock is traded on the NASDAQ Capital Market un…
Net interest rate spread and margin both increased when comparing the years ended June 30, 2025 and 2024. Net interest rate spread increased 22 basis points to 1.97% for the year ended June 30, 2025, compared to 1.75% for the year ended June 30, 2024. Net interest margin increased 21 basis points to…
如何读 10-Q 的风险因素(第 1A 项)
10-Q 的风险因素章节有三种常见形态,本页按其一分类展示:
- 指向(pointer) — 公司仅声明"无重大变化"并指向年度 10-K 的完整风险因素;本季没有自己的风险文本可对比。
- 部分更新(partial) — 公司写明"除下述外无重大变化",只更新部分风险;摘录展示的正是本季新增的内容。
- 全文重述(restated) — 本季重新给出完整风险因素。若上一季只是"指向",则无法逐段对比,本页会将其标为"本季全文重述"。
这只是对文件结构的客观描述,不构成对风险高低的判断。
数据来自 SEC EDGAR 两份申报文件的文本级对比 · 确定性计算(无 AI 生成内容)· 仅供参考 · 非投资建议