GOUVERNEUR SAVINGS AND LOAN ASSOCIATION

GOUVERNEUR, NY | Small | Est. Jan. 1, 1892, midnight | FDIC #30976 | RSSD #905673 | FDIC
Latest Report: 2025-12-31

GOUVERNEUR SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in GOUVERNEUR, NY, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $161M. Profitability stands at 0.67% ROA and 4.28% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 24.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 3.55%. FDIC Certificate #30976. The institution operates 1 domestic branch.

Assets

$202M

Deposits

$161M

Loans

$134M

Equity

$32M

Profitability

Return on Assets (ROA) 0.67%
Return on Equity (ROE) 4.28%
Net Interest Margin (NIM) 3.90%
Yield on Assets 4.88%
Cost of Funds 1.10%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.55%
NPA Ratio 0.57%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 24.50%
Tier 1 Capital 24.50%
Total Capital Ratio 25.51%
Leverage Ratio 13.95%
Loan-to-Deposit 83.22%

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