Gouverneur Savings and Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 4.26% to 4.34%, the largest move among the key lines here. Gouverneur Savings and Loan Association ranks 20th of 105 New York banks on net interest margin, in the upper half at 4.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Gouverneur Savings and Loan Association sits 0.39 points higher, at 4.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 5.61% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 0.99% |
| Cost of interest-bearing liabilities | 1.06% |
| Cost of borrowings | 3.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 4.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $382K |
| Interest expense on deposits | $349K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.74% | 0.76% | 4.12% | 5.05% | 3.92% |
| Q4 2023 | 4.79% | 0.89% | 4.06% | 5.09% | 3.93% |
| Q1 2024 | 4.86% | 0.93% | 4.12% | 5.20% | 3.94% |
| Q2 2024 | 4.98% | 1.12% | 4.10% | 5.37% | 3.91% |
| Q3 2024 | 4.96% | 1.08% | 4.12% | 5.31% | 3.89% |
| Q4 2024 | 5.01% | 1.30% | 4.00% | 5.41% | 3.85% |
| Q1 2025 | 4.98% | 1.13% | 4.09% | 5.38% | 3.89% |
| Q2 2025 | 5.04% | 1.04% | 4.22% | 5.45% | 3.86% |
| Q3 2025 | 5.08% | 1.08% | 4.25% | 5.51% | 3.85% |
| Q4 2025 | 5.08% | 1.29% | 4.07% | 5.51% | 3.80% |
| Q1 2026 | 5.11% | 1.07% | 4.26% | 5.54% | 3.78% |
| Q2 2026 | 5.20% | 1.11% | 4.34% | 5.61% | 3.86% |
Gouverneur Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gouverneur Savings and Loan Association, freeSource: Call Report Schedules RI and RC-K, 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)