Gouverneur Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 32.90 percentage points lower than in Q1 2026, at 82.61%. Gouverneur Savings and Loan Association ranks 82nd of 105 New York banks on return on assets, in the lower half at 0.62% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Gouverneur Savings and Loan Association reported 0.62% on return on assets in Q2 2026, 0.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.73% |
| Tier 1 risk-based capital ratio | 24.73% |
| Total risk-based capital ratio | 25.74% |
| Tier 1 leverage ratio | 14.53% |
| Equity capital to assets | 16.10% |
| Tangible equity to tangible assets | 13.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.07% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 82.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 3.89% |
| Net interest margin | 4.34% |
| Efficiency ratio | 79.53% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.55% |
| Core deposits to total deposits | 96.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.26% |
| Securities to assets | 17.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.88% | 18.88% | 19.43% | 10.61% | 0.19% |
| Q4 2023 | 22.04% | 22.04% | 23.01% | 12.30% | 0.34% |
| Q1 2024 | 22.75% | 22.75% | 23.74% | 12.51% | 0.40% |
| Q2 2024 | 23.01% | 23.01% | 24.00% | 13.10% | 0.49% |
| Q3 2024 | 23.28% | 23.28% | 24.26% | 13.28% | 0.39% |
| Q4 2024 | 23.47% | 23.47% | 24.45% | 13.40% | 0.38% |
| Q1 2025 | 23.62% | 23.62% | 24.59% | 13.57% | 0.50% |
| Q2 2025 | 23.88% | 23.88% | 24.86% | 13.77% | 0.57% |
| Q3 2025 | 24.18% | 24.18% | 25.18% | 13.92% | 0.63% |
| Q4 2025 | 24.50% | 24.50% | 25.51% | 13.95% | 0.66% |
| Q1 2026 | 25.03% | 25.03% | 26.05% | 14.30% | 0.61% |
| Q2 2026 | 24.73% | 24.73% | 25.74% | 14.53% | 0.62% |
Gouverneur Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gouverneur Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)