Gouverneur Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Gouverneur Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Gouverneur, NY, established in 1892 (FDIC certificate 30976), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $198.9M, up 0.9% from Q2 2025, the 92nd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 24.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30976
- Headquarters
- Gouverneur, NY
- Established
- 1892
- Total assets, Q2 2026
- $198.9M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 24.73%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 221371592
- Latest call report
- Q2 2026, FFIEC 051 · Gouverneur Savings and Loan Association call report
- Holding company
- GOUVERNEUR BANCORP, INC.
- Asset rank in state
- 92nd of 105 in New York
Problem loans are rising at Gouverneur Savings and Loan Association. It reported $199 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.00% of loans from 0.43% a year earlier. It returns 3.9% a year on shareholders' equity, about a third the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans equal to only 20% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 7.4% and deposits fell 2.8%. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Gouverneur Savings and Loan Association reported a CET1 capital ratio of 24.73%, a return on assets of 0.62%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 5.07%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Gouverneur Savings and Loan Association is the 92nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $198.9M, loans rose 2.3% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 85.2% of total loans, followed by commercial and industrial loans at 5.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in NY; its Gouverneur office books 43% of its branch deposits. On its Q2 2026 call report, Gouverneur Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 42 Church St, Gouverneur, NY 13642
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $157.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $200.8M
- Average total loans
- $135.1M
- Average interest-bearing deposits
- $114.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30976
- Fed RSSD
- 905673
- SEC CIK
- 1978811 → filed by GOUVERNEUR BANCORP, INC.
- Website
- www.gouverneurbank.com →
- Parent Holding Company
- GOUVERNEUR BANCORP, INC. (RSSD 2801014) · GOVB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jefferies Stephen Michael | CEO | President & CEO |
| Campanaro James Donald | CFO | Chief Financial Officer |
| Hall Sadie May | COO | VP, COO & Compliance Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Gouverneur Savings and Loan Association's total assets moved between a low of $195.5M (Q2 2024) and a high of $205.6M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$198.9M total assets against $197.1M; $166.8M total liabilities against $167.1M.
$135.3M net loans and leases against $125.9M; $157.6M total deposits against $162.1M.
$35.2M securities against $41.7M; $5.7M cash and balances due against $6.8M.
$2.3M total interest income against $2.2M; $382K total interest expense against $359K.
$1.9M net interest income against $1.8M.
$281K total noninterest income against $241K; $1.8M total noninterest expense against $1.7M.
$13K provision for credit losses against $11K.
$310K net income against $284K.
0.62% return on assets against 0.57%; 4.34% net interest margin against 4.22%.
24.73% CET1 capital ratio against 23.88%; 14.53% tier 1 leverage ratio against 13.77%.
Inside the full Gouverneur Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGouverneur Savings and Loan Association rankings
Its closest position to the top of a national ranking is 162 of 2,134, for CET1 ratio; its furthest is 3,222 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.38% (Q4 2024) to 0.66% (Q4 2025) and its net interest margin ran from 4.00% (Q4 2024) to 4.34% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.73% | 0.62% | 1.00% | 5.07% | 4.34% |
| Q1 2026 | 25.03% | 0.61% | 0.73% | 4.21% | 4.26% |
| Q4 2025 | 24.50% | 0.66% | 0.74% | 4.27% | 4.07% |
| Q3 2025 | 24.18% | 0.63% | 0.53% | 3.06% | 4.25% |
| Q2 2025 | 23.88% | 0.57% | 0.43% | 2.62% | 4.22% |
| Q1 2025 | 23.62% | 0.50% | 0.87% | 4.36% | 4.09% |
| Q4 2024 | 23.47% | 0.38% | 0.55% | 2.82% | 4.00% |
| Q3 2024 | 23.28% | 0.39% | 0.70% | 3.46% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gouverneur Savings and Loan Association (main office) | Gouverneur , NY | 13642 | $68.3M |
| Alexandria Bay Branch | Alexandria Bay , NY | 13607 | $38.1M |
| Cape Vincent Branch | Cape Vincent , NY | 13618 | $31.7M |
| Chaumont Branch | Chaumont , NY | 13622 | $19.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 2022 | Structure Change | Acquired Citizens Bank of Cape Vincent Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 141 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 194 applications, 139 loans originated, $20.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gouverneur Savings and Loan Association
What are Gouverneur Savings and Loan Association's total assets?
As of the Q2 2026 filing, Gouverneur Savings and Loan Association reported total assets of $198.9 million in its FFIEC call report.
Where is Gouverneur Savings and Loan Association headquartered?
It is headquartered in Gouverneur, NY, United States.
When was Gouverneur Savings and Loan Association founded?
It was established in 1892, per the FDIC institution directory.
Is Gouverneur Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gouverneur Savings and Loan Association?
Gouverneur Savings and Loan Association's primary federal regulator is the FDIC.
What is Gouverneur Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gouverneur Savings and Loan Association operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gouverneur Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 5.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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