Gouverneur Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 203.0% in Q2 2026, from $1.5M to $4.5M. It was the largest change from Q1 2026 among the key lines here. Gouverneur Savings and Loan Association ranks 50th of 105 New York banks on loan-to-deposit ratio, in the upper half at 86.55% (Q2 2026). Gouverneur Savings and Loan Association reported 86.55% on loan-to-deposit ratio for Q2 2026, 5.61 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.55% |
| Net loans and leases to deposits | 85.84% |
| Loans and leases to core deposits | 89.82% |
| Core deposits to total deposits | 96.36% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.94% | 98.46% | $0 | $14.0M |
| Q4 2023 | 76.47% | 97.36% | $0 | $7.5M |
| Q1 2024 | 75.21% | 97.33% | $0 | $5.5M |
| Q2 2024 | 79.01% | 96.83% | $0 | $5.5M |
| Q3 2024 | 76.97% | 96.11% | $0 | $522K |
| Q4 2024 | 77.12% | 96.34% | $0 | $501K |
| Q1 2025 | 77.09% | 95.85% | $0 | $501K |
| Q2 2025 | 78.35% | 96.15% | $0 | $501K |
| Q3 2025 | 84.70% | 97.37% | $0 | $7.5M |
| Q4 2025 | 83.22% | 97.04% | $0 | $5.5M |
| Q1 2026 | 82.56% | 96.46% | $0 | $1.5M |
| Q2 2026 | 86.55% | 96.36% | $0 | $4.5M |
Gouverneur Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gouverneur Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gouverneur Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30976) · FFIEC NIC profile (RSSD 905673)