Gouverneur Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gouverneur Savings and Loan Association of Gouverneur, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.62% | 1.34% | -0.72% | 16th bottom |
| ROAE | 3.89% | 13.32% | -9.43% | 11th bottom |
| Net Interest Margin | 4.34% | 3.93% | +0.41% | 72nd above |
| Efficiency Ratio | 79.53% | 61.14% | +18.39% | 14th bottom |
| PPNR / Avg Assets | 0.67% | 1.68% | -1.01% | 12th bottom |
| Yield on Earning Assets | 5.20% | 5.67% | -0.47% | 31st below |
| Cost of Funds | 1.11% | 1.88% | -0.77% | 88th top |
| Net Interest Spread | 4.14% | 3.32% | +0.82% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.94% | +0.06% | 28th below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| ACL / NPLs (Coverage) | 82.61% | 1538.98% | -1456.37% | 22nd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.07% | 7.33% | -2.26% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 800.00% | 1395.66% | -595.66% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.73% | 19.50% | +5.23% | 88th top |
| Tier 1 Ratio | 24.73% | 19.53% | +5.20% | 88th top |
| Total Capital Ratio | 25.74% | 20.62% | +5.12% | 88th top |
| Leverage Ratio | 14.53% | 12.14% | +2.39% | 84th top |
| Equity / Assets | 16.10% | 11.37% | +4.73% | 91st top |
| TCE / Tangible Assets | 13.81% | 11.09% | +2.72% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.55% | 80.64% | +5.91% | 36th below |
| Core Deposit Ratio | 96.36% | 86.86% | +9.50% | 90th top |
| Wholesale Funding Ratio | 2.25% | 5.03% | -2.78% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.91% | 6.85% | -5.94% | 25th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.42% | 7.90% | -0.48% | 62nd above |
| Deposit Growth (Y/Y) | -2.76% | 6.29% | -9.05% | 11th bottom |
See Gouverneur Savings and Loan Association's peers by name
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Unlock Gouverneur Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gouverneur Savings and Loan Association profile, how to read a UBPR, or how this data updates.