Gouverneur, NY · Cert 30976 · Gouverneur Bcorp Inc.
SL · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
47
Profitability
31
Liquidity
62
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Gouverneur, NY · Cert 30976 · Gouverneur Bcorp Inc.
SL · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
Market Position · Watertown-Fort Drum, NY · 2026 SOD (annual) · 4.2% share · #6 of 8 inst. · $0.1B of $2.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.42% | 0.51% | 0.54% | 0.57% | 0.60% | 0.61% | 0.62% | +7 bps | |
| Return on Equity | 2.92% | 2.84% | 3.38% | 3.59% | 3.78% | 3.91% | 3.85% | 3.87% | +28 bps | |
| Net Interest Margin | 3.70% | 3.66% | 3.64% | 3.70% | 3.72% | 3.66% | 3.82% | 3.86% | +15 bps | |
| Efficiency Ratio | 84.86% | 84.90% | 83.41% | 81.02% | 81.22% | 80.77% | 81.22% | 81.01% | -2 bps | |
| Non-Interest Burden | 3.19% | 3.16% | 3.06% | 3.01% | 3.04% | 2.95% | 3.10% | 3.10% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -4.01% | -3.14% | 0.81% | 0.59% | 2.52% | 0.41% | 0.91% | +10 bps | |
| Loan Growth (YoY) | -0.58% | 0.25% | 1.33% | 2.28% | 5.81% | 6.56% | 5.44% | 7.42% | +514 bps | |
| Deposit Growth (YoY) | -0.61% | -0.60% | -1.14% | 3.15% | -3.85% | -1.25% | -1.54% | -2.76% | -591 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.55% | 0.87% | 0.43% | 0.53% | 0.74% | 0.73% | 1.00% | +57 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.85% | 0.84% | 0.84% | 0.84% | 0.83% | 0.83% | 0.84% | 0.83% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.5x | 1.0x | 1.9x | 1.6x | 1.1x | 1.2x | 0.8x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.28% | 13.40% | 13.57% | 13.77% | 13.92% | 13.95% | 14.30% | 14.53% | +76 bps | |
| Total Risk-Based Capital | 24.26% | 24.45% | 24.59% | 24.86% | 25.18% | 25.51% | 26.05% | 25.74% | +88 bps | |
| Equity / Assets | 15.38% | 14.94% | 15.07% | 15.23% | 15.52% | 15.59% | 16.03% | 16.10% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.97% | 77.12% | 77.09% | 78.35% | 84.70% | 83.22% | 82.56% | 86.55% | +820 bps | |
| Liquid Assets / Assets | 1.03% | 1.69% | 1.66% | 0.86% | 0.34% | 0.53% | 1.11% | 0.99% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 31.13% | 30.07% | 30.19% | n/a | n/a | |
Gouverneur, NY · Cert 30976 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Gouverneur Bcorp Inc.
SL · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
Return on Assets
0.62%
Rank 600 of 746
Net Interest Margin
3.86%
Rank 307 of 746
Efficiency Ratio
84.80%
Rank 663 of 746
Equity / Assets
16.10%
Rank 76 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.72% | 1.06% | 1.45% | Beats 20% | 600 / 746 | ||
| Return on Equity | 3.84% | 6.74% | 10.51% | 13.63% | Beats 14% | 643 / 746 | ||
| Net Interest Margin | 3.86% | 3.17% | 3.68% | 4.16% | Beats 59% | 307 / 746 | ||
| Efficiency Ratio | 84.80% | 55.74% | 64.58% | 75.47% | Beats 11% | 663 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.42% | 1.07% | Beats 27% | 543 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 257 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.73% | 11.55% | 13.75% | 17.60% | Beats 91% | 67 / 746 | ||
| Total Risk-Based Capital Ratio | 25.74% | 11.71% | 14.33% | 18.43% | Beats 91% | 69 / 746 | ||
| Equity / Assets | 16.10% | 8.90% | 10.51% | 13.06% | Beats 90% | 76 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.55% | 61.31% | 78.27% | 90.78% | 67th pctl | 245 / 746 | ||
| Loans / Assets | 68.60% | 53.60% | 66.97% | 76.08% | 54th pctl | 346 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||