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Gouverneur Savings And Loan Association
Gouverneur, NY · FDIC Certificate #30976 · Chartered 01/0
Total assets
$198.86M
Total deposits
$157.62M
Total equity
$32.01M
Net loans
$135.30M
Branches (offices)
4
Net income (YTD)
$615.00K
Rank: #2,984 of 4,213 U.S. banks by assets · #99 of 115 in New York. Assets changed 0.9% and deposits -2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.62% |
| Return on equity | 3.87% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 16.10% |
| Tier 1 leverage ratio | 14.53% |
| Uninsured deposits (share of deposits) | 13.9% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $124.95M | 92.4% | |
| Commercial & industrial | $7.47M | 5.5% | |
| Consumer / individual | $3.55M | 2.6% | |
| Construction & development | $4.54M | 3.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $130.19M | $101.81M | $939.00K | $25.34M |
| Jun 2023 | $203.13M | $161.76M | $237.00K | $25.69M |
| Jun 2024 | $195.49M | $157.15M | $451.00K | $29.28M |
| Jun 2025 | $197.06M | $162.10M | $534.00K | $30.01M |
| Jun 2026 | $198.86M | $157.62M | $615.00K | $32.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $157.62M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $157.62M.
Similar-sized banks
Merchants And Planters Bank ($198.97M) · Magnolia State Bank ($198.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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