Gouverneur Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.99 percentage points higher than in Q1 2026, at 86.55%. 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). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Gouverneur Savings and Loan Association sits 5.71 points higher, at 86.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.4M |
| Net loans and leases | $135.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.60% |
| Loan-to-deposit ratio | 86.55% |
| Net loans to equity capital | 4.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.08% |
| Multifamily (5+ residential) | 0.01% |
| Commercial and industrial | 5.48% |
| Consumer | 2.60% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.86% |
| Construction concentration (Tier 1 capital + allowance) | 15.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.61% |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $126.0M | $163.8M | 3.97% | 4.44% | 4.83% |
| Q4 2023 | $125.7M | $164.3M | 3.94% | 3.85% | 4.87% |
| Q1 2024 | $124.8M | $165.9M | 3.92% | 4.05% | 4.58% |
| Q2 2024 | $124.2M | $157.2M | 3.91% | 4.73% | 4.44% |
| Q3 2024 | $125.3M | $162.8M | 3.57% | 4.87% | 4.37% |
| Q4 2024 | $126.0M | $163.4M | 3.57% | 4.77% | 4.12% |
| Q1 2025 | $126.4M | $164.0M | 3.50% | 4.88% | 3.83% |
| Q2 2025 | $127.0M | $162.1M | 3.45% | 4.64% | 3.58% |
| Q3 2025 | $132.6M | $156.6M | 3.29% | 4.68% | 3.24% |
| Q4 2025 | $134.2M | $161.3M | 3.21% | 4.95% | 2.89% |
| Q1 2026 | $133.3M | $161.5M | 3.18% | 4.93% | 2.73% |
| Q2 2026 | $136.4M | $157.6M | 3.08% | 5.48% | 2.60% |
Gouverneur Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gouverneur Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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)