Gouverneur, NY · Cert 59312 · Gouverneur Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
Market Position · Watertown-Fort Drum, NY · 2026 SOD (annual) · 0.7% share · #8 of 8 inst. · $0.0B 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 | 2.22% | 2.11% | 2.07% | 2.05% | 2.09% | 2.05% | 1.90% | 1.85% | -20 bps | |
| Return on Equity | 5.77% | 5.46% | 5.51% | 5.45% | 5.42% | 5.33% | 4.87% | 4.46% | -99 bps | |
| Net Interest Margin | 2.97% | 2.74% | 2.75% | 2.75% | 2.88% | 2.79% | 2.59% | 2.77% | +2 bps | |
| Efficiency Ratio | 10.30% | 10.35% | 11.74% | 12.57% | 13.07% | 12.91% | 12.80% | 14.89% | +232 bps | |
| Non-Interest Burden | 0.31% | 0.28% | 0.32% | 0.35% | 0.38% | 0.36% | 0.33% | 0.41% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 3.62% | -1.23% | 20.94% | -2.00% | 11.14% | -4.26% | -15.93% | -3,687 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 11.69% | 3.08% | -5.37% | 31.50% | -6.47% | 12.46% | -11.24% | -30.11% | -6,162 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 40.22% | 39.35% | 36.99% | 37.15% | 39.98% | 39.32% | 38.70% | 44.48% | +733 bps | |
| Total Risk-Based Capital | 97.48% | 98.89% | 83.78% | 83.08% | 93.86% | 82.95% | 81.11% | 92.80% | +972 bps | |
| Equity / Assets | 39.10% | 38.97% | 36.24% | 37.80% | 41.44% | 37.89% | 40.29% | 47.35% | +954 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.08% | 0.47% | 3.09% | 0.81% | 0.36% | 0.04% | 1.63% | 1.97% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |