Gouverneur Savings and Loan Association
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
$198.9MAssets
$136.4MLoans
$157.6MDeposits
$32.0MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks under $1B in assets operating in a single state (rank 67 of 746).
- Widest gap: efficiency ratio trails 89% of banks under $1B in assets operating in a single state (rank 663 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 11% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |