BlastPoint's Banking Scorecard

Gouverneur Savings and Loan Association

$100M-$1B Specialty: Mortgage NY FDIC cert 30976

Gouverneur, NY

4 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Gouverneur Savings and Loan Association has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.33% above tier average
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 15.3% in tier
- Flatlined Growth: Bottom 18.2% in tier
- Efficiency Drag: Bottom 29.2% in tier
- ROA 0.66% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$198.5M +0.4% YoY -1.8% QoQ	-$187.5M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$132.2M +5.4% YoY -0.7% QoQ	-$123.5M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$161.5M -1.5% YoY +0.1% QoQ	-$166.5M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	0.61% +20.2% YoY +2.1% QoQ	-0.66%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	4.26% +3.7% YoY +1.7% QoQ	+0.33%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	81.22% -2.6% YoY +0.6% QoQ	+15.93%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 14.0% in tier
Delinquency Rate ?	0.73% -16.2% YoY -2.6% QoQ	-0.16%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	81.87% +7.1% YoY -0.8% QoQ	+5.23%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	11.35% +2.4% YoY -3.1% QoQ	-10.67%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Bottom 13.6% in tier
Nonperforming Asset Ratio ?	0.58% +5.7% YoY +2.1% QoQ	-0.05%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	25.03% +6.0% YoY +2.2% QoQ	+9.20%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 6.5% in tier
Non-Interest Income / Assets ?	0.11% +13.5% YoY -78.2% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk

#114 of 739 • Bottom 15.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 25.03%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 81.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Flatlined Growth

risk

#94 of 512 • Bottom 18.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.61%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#122 of 414 • Bottom 29.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.22%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

174

Tier 1 Capital Ratio

capital

Value: 25.03%

Peer Median: 15.83%

#174 of 2664 Top 6.5% in $100M-$1B

Top Weaknesses (4 metrics)

2304

Non-Interest-Bearing Deposit Share

funding

Value: 11.35%

Peer Median: 22.02%

#2304 of 2664 Bottom 13.6% in $100M-$1B

2292

Efficiency Ratio

profitability

Value: 81.22%

Peer Median: 65.29%

#2292 of 2664 Bottom 14.0% in $100M-$1B

2227

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.27%

#2227 of 2664 Bottom 16.4% in $100M-$1B

2022

Total Deposits

size

Value: $161.49M

Peer Median: $327.97M

#2022 of 2664 Bottom 24.1% in $100M-$1B