Bank call report · Gouverneur, NY
Gouverneur Savings and Loan Association Call Report
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Gouverneur Savings and Loan Association filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 296 reported line items, schedule by schedule (735 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 905673 |
| FDIC certificate number | 30976 |
| Total assets | $198.9M |
Official Q2 2026 call report PDF (FFIEC) →
Gouverneur Savings and Loan Association call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Gouverneur Savings and Loan Association balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $198.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $198.9M |
| Total Liabilities and Minority Interest | RCON2948 | $166.8M |
| Total Deposits | RCON2200 | $157.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $139.0M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $136.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $135.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $35.2M |
| Total Equity Capital | RCON3210 | $32.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $32.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $30.1M |
| Deposits: Noninterest-bearing | RCON6631 | $18.7M |
| Other Assets | RCON2160 | $14.4M |
| Intangible Assets | RCON2143 | $5.3M |
| Other Liabilities, Total | RCON2930 | $4.7M |
| Other Borrowed Money | RCON3190 | $4.5M |
| Goodwill | RCON3163 | $4.2M |
| Surplus | RCON3839 | $3.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.0M |
| Interest-bearing Balances | RCON0071 | $2.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.1M |
| Other Real Estate Owned | RCON2150 | $48K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Gouverneur Savings and Loan Association income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.5M |
| Net Interest Income | RIAD4074 | $3.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.7M |
| Total Noninterest Expense | RIAD4093 | $3.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.0M |
| Salaries and Employee Benefits | RIAD4135 | $1.6M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Total Interest Expense | RIAD4073 | $758K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $634K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $634K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $615K |
| Net Income (Loss) | RIAD4340 | $615K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $615K |
| Total Noninterest Income | RIAD4079 | $509K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $496K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $484K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $331K |
| Interest on Other Securities | RIAD4060 | $312K |
| Other Noninterest Income | RIADB497 | $308K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $262K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $258K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $236K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $162K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $162K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $142K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $138K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $96K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $90K |
| Other Interest Expense | RIADGW44 | $71K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $39K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $38K |
| Other Interest Income | RIAD4518 | $33K |
| Applicable Income Taxes | RIAD4302 | $19K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $18K |
| Provision for Loan and Lease Losses | RIAD4230 | $16K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $5K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 36 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · Gouverneur Savings and Loan Association securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $37.5M |
| Pledged Securities | RCON0416 | $22.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $20.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $18.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $17.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $10.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $10.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $4.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $999K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $830K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $279K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $34K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $21K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $19K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Gouverneur Savings and Loan Association loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $136.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $111.7M |
| Pledged Loans and Leases | RCONG378 | $97.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $70.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $47.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $23.4M |
| Commercial and Industrial Loans | RCON1766 | $7.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $6.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $6.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $5.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $5.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $5.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $4.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $4.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $2.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $2.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $641K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $430K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $27K |
| Other Loans | RCONJ464 | $21K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $12K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (2 items)
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · Gouverneur Savings and Loan Association deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $103.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $90.5M |
| Total Transaction Accounts | RCON2215 | $54.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $50.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $49.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $43.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $30.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $19.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $18.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $15.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $12.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $12.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $12.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $5.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $5.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $2.3M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $975K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $866K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $57K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $18K |
| Total Nontransaction Accounts of United States Government | RCON2520 | $17K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $4.7M |
| Other Assets | RCON2168 | $3.7M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.3M |
| Net Deferred Tax Assets | RCON2148 | $2.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $968K |
| Accrued Interest Receivable | RCONB556 | $626K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.9M |
| Deferred Compensation Liabilities | RCONC011 | $2.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $847K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $24K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Gouverneur Savings and Loan Association quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $200.8M |
| Quarterly Average of Total Loans | RCON3360 | $135.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $115.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $66.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $30.9M |
| All Other Securities | RCONB560 | $20.9M |
| Mortgage-backed Securities | RCONB559 | $12.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $12.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $8.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $7.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $5.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $4.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Gouverneur Savings and Loan Association derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $7.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $934K |
| Commercial and Similar Letters of Credit | RCON3411 | $178K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Gouverneur Savings and Loan Association memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $4.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $4.0M |
| All other intangible assets | RCONJF76 | $1.1M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $478K |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $478K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $413K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $48K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · Gouverneur Savings and Loan Association past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.3M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $236K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $142K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $69K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $39K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $23K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $21K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $14K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $11K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Gouverneur Savings and Loan Association other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $183.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $157.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $115.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $38.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $28.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,859 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 127 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 66 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Gouverneur Savings and Loan Association regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $114.8M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (27 items)
About Schedule RC-R, Part I · Gouverneur Savings and Loan Association regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $200.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $195.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $114.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $32.0M |
| Retained Earnings | RCOAKW00 | $30.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $29.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $28.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $28.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $28.4M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $4.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $3.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.1M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.1M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $324K |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$163K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$163K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2574 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2473 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2473 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1774 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1453 |
Schedule RC-R, Part II: Risk-Weighted Assets (49 items)
About Schedule RC-R, Part II · Gouverneur Savings and Loan Association risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $116.2M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $114.8M |
| Total Risk-weighted Assets | RCONG641 | $114.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $112.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $112.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $110.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $56.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $44.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $44.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $44.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $38.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $38.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $35.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $35.2M |
| Total All Other Assets | RCOND981 | $22.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $20.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $20.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $18.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $15.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $12.8M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $10.8M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $10.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCONG626 | $7.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $7.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $7.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $5.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $5.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $4.9M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $4.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $3.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$2.3M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.3M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.3M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $1.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $968K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $506K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $325K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $325K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $178K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $161K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $96K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $96K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $69K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 0 Pct Risk Weight Category | RCONG608 | $36K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $36K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $32.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $31.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $31.5M |
| Other Comprehensive Income | RIADB511 | -$108K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Gouverneur Savings and Loan Association charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Gouverneur Savings and Loan Association changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $3K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $2K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $10.8M |
Gouverneur Savings and Loan Association call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Gouverneur Savings and Loan Association call report?
The Gouverneur Savings and Loan Association call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Gouverneur Savings and Loan Association file?
Gouverneur Savings and Loan Association files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Gouverneur Savings and Loan Association call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Gouverneur Savings and Loan Association has Federal Reserve RSSD ID 905673 and FDIC certificate number 30976. Either one finds its filings on the FFIEC Central Data Repository.
How often does Gouverneur Savings and Loan Association file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Gouverneur Savings and Loan Association financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 30976) · FFIEC NIC profile (RSSD 905673)