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Gouverneur Savings and Loan Association

Gouverneur, NY · Cert 30976 · Gouverneur Bcorp Inc.

SL · FDIC · 1 affiliate bank · 4 branches (8 in holding)

Q2 2026

$198.9MAssets
$136.4MLoans
$157.6MDeposits
$32.0MEquity
Loan mix
92%RE $122.5M5%C&I $6.6M3%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $139.0M12%Noninterest $18.7MQ2 2025Q2 2026

NIM

4.31%Q2 ’244.35%Q2 ’254.51%Q2 ’260%+4%

Non-interest income vs. expense

3.53%Q2 ’243.46%Q2 ’253.61%Q2 ’26-5%+3%

Market Position · Watertown-Fort Drum, NY · 2026 SOD (annual) · 4.2% share · #6 of 8 inst. · $0.1B of $2.2B

4.2% Jefferson
3.8% St. Lawrence

Executive Summary

  • Earnings: ROA of 0.62%, up 7 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.00% of loans (+57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.53%, up 76 bps from a year ago.
  • Funding: loans stand at 86.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+15 bps YoY

Efficiency Ratio (YTD, annualized)

81.01%-2 bps YoY

Tier 1 Leverage Ratio

14.53%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.57%0.60%0.61%0.62%+7 bps
Return on Equity3.59%3.78%3.91%3.85%3.87%+28 bps
Net Interest Margin3.70%3.72%3.66%3.82%3.86%+15 bps
Efficiency Ratio81.02%81.22%80.77%81.22%81.01%-2 bps
Non-Interest Burden3.01%3.04%2.95%3.10%3.10%+9 bps
Growth
Asset Growth (YoY)0.81%0.59%2.52%0.41%0.91%+10 bps
Loan Growth (YoY)2.28%5.81%6.56%5.44%7.42%+514 bps
Deposit Growth (YoY)3.15%-3.85%-1.25%-1.54%-2.76%-591 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.53%0.74%0.73%1.00%+57 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans0.84%0.83%0.83%0.84%0.83%-2 bps
Allowance Coverage of NPLs1.9x1.6x1.1x1.2x0.8x-1.1x
Capital
Tier 1 Leverage Ratio13.77%13.92%13.95%14.30%14.53%+76 bps
Total Risk-Based Capital24.86%25.18%25.51%26.05%25.74%+88 bps
Equity / Assets15.23%15.52%15.59%16.03%16.10%+87 bps
Liquidity & Funding
Loans / Deposits78.35%84.70%83.22%82.56%86.55%+820 bps
Liquid Assets / Assets0.86%0.34%0.53%1.11%0.99%+13 bps
CRE / Total Capitaln/a31.13%30.07%30.19%n/an/a