Gouverneur Savings and Loan Association: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Gouverneur, NY, Gouverneur Savings and Loan Association serves its local market as an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Gouverneur Savings and Loan Association reported $199M in total assets against $158M in deposits. Returns are subdued: 0.62% ROA and 3.89% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 24.73% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.00% nonperforming loans and a 5.07% Texas Ratio. 4 branches make up the footprint.
As of June 30, 2026, Gouverneur Savings and Loan Association reported a CET1 capital ratio of 24.73%, a return on assets of 0.62%, a nonperforming-loan ratio of 1.00%, a Texas ratio of 5.07%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 42 Church St, Gouverneur, NY 13642
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Offices
- 4 domestic
- Employees (FTE)
- 36
- Domestic deposits
- $157.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $200.8M
- Average total loans
- $135.1M
- Average interest-bearing deposits
- $114.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30976
- Fed RSSD
- 905673
- SEC CIK
- 1978811 → filed by GOUVERNEUR BANCORP, INC.
- Website
- www.gouverneurbank.com →
- Parent Holding Company
- GOUVERNEUR BANCORP, INC. (RSSD 2801014) · GOVB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jefferies Stephen Michael | CEO | President & CEO |
| Campanaro James Donald | CFO | Chief Financial Officer |
| Hall Sadie May | COO | VP, COO & Compliance Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Gouverneur Savings and Loan Association: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.73% | 0.62% | 1.00% | 5.07% | 4.34% |
| Q1 2026 | 25.03% | 0.61% | 0.73% | 4.21% | 4.26% |
| Q4 2025 | 24.50% | 0.66% | 0.74% | 4.27% | 4.07% |
| Q3 2025 | 24.18% | 0.63% | 0.54% | 3.11% | 4.25% |
| Q2 2025 | 23.88% | 0.57% | 0.44% | 2.68% | 4.22% |
| Q1 2025 | 23.62% | 0.50% | 0.88% | 4.42% | 4.09% |
| Q4 2024 | 23.47% | 0.38% | 1.05% | 5.38% | 4.00% |
| Q3 2024 | 23.28% | 0.39% | 1.21% | 5.94% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gouverneur Savings and Loan Association (main office) | Gouverneur , NY | 13642 | $68.3M |
| Alexandria Bay Branch | Alexandria Bay , NY | 13607 | $38.1M |
| Cape Vincent Branch | Cape Vincent , NY | 13618 | $31.7M |
| Chaumont Branch | Chaumont , NY | 13622 | $19.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 2022 | Structure Change | Acquired Citizens Bank of Cape Vincent Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Gouverneur Savings and Loan Association, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 141 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 194 applications, 139 loans originated, $20.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Gouverneur Savings and Loan Association
What are Gouverneur Savings and Loan Association's total assets?
As of the Q2 2026 filing, Gouverneur Savings and Loan Association reported total assets of $198.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Gouverneur Savings and Loan Association headquartered?
Gouverneur Savings and Loan Association is headquartered in Gouverneur, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Gouverneur Savings and Loan Association founded?
Gouverneur Savings and Loan Association was established in 1892, per the FDIC institution directory.
Is Gouverneur Savings and Loan Association FDIC-insured?
Yes. Gouverneur Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #30976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gouverneur Savings and Loan Association?
Gouverneur Savings and Loan Association's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Gouverneur Savings and Loan Association's CET1 capital ratio?
Gouverneur Savings and Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 24.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gouverneur Savings and Loan Association operate?
Gouverneur Savings and Loan Association operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gouverneur Savings and Loan Association's Texas Ratio?
Gouverneur Savings and Loan Association's Texas Ratio is 5.07% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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