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Gouverneur Savings and Loan Association

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

Gouverneur, NY

4 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits -2.8% year over year ($157.6M on the books).
  • Delinquency rate 1.01%.
  • Return on assets 0.62%.
  • Efficiency ratio 81.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.84% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Gouverneur Savings and Loan Association has 1 strength but faces 5 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

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.4% in tier
  • - Flatlined Growth: Bottom 19.7% in tier
  • - Efficiency Drag: Bottom 26.9% in tier
  • - ROA 0.71% below tier average
  • - Delinquency Rate 0.09% above tier average
Get updates when Gouverneur Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $198.9M
+0.9% YoY +0.2% QoQ
-$187.7M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $135.3M
+7.4% YoY +2.3% QoQ
-$123.0M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $157.6M
-2.8% YoY -2.4% QoQ
-$169.1M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 0.62%
+13.7% YoY +1.1% QoQ
-0.71% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 4.32%
+2.8% YoY +1.3% QoQ
+0.33% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 81.01%
-0.0% YoY -0.3% QoQ
+16.53% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 12.6% in tier
Delinquency Rate ? 1.01%
+130.7% YoY +37.7% QoQ
+0.09% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 85.84%
+10.5% YoY +4.8% QoQ
+7.89% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 11.84%
+4.6% YoY +4.3% QoQ
-10.19% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Bottom 14.2% in tier
Nonperforming Asset Ratio ? 0.71%
+109.6% YoY +21.3% QoQ
+0.04% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 24.73%
+3.6% YoY -1.2% QoQ
+8.83% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 7.2% in tier
Non-Interest Income / Assets ? 0.26%
+14.4% YoY +122.9% QoQ
-0.31% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 11.8%
+0.5pp YoY
+0.5pp QoQ
 -10.3pp 22.1% 22.1% 22.2% 14%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 5.5%
+0.8pp YoY
+0.6pp QoQ
 -6.0pp 11.6% 11.0% 12.5% 23%
CRE 6.5%
+1.0pp YoY
+0.1pp QoQ
 -33.1pp 39.5% 46.2% 41.4% 2%
1-4 Family 85.9%
-0.7pp YoY
-0.4pp QoQ
 +53.3pp 32.6% 36.6% 31.3% 98%
Consumer 2.6%
-1.0pp YoY
-0.1pp QoQ
 -1.5pp 4.1% 5.1% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 24.7%
+0.9pp YoY
-0.3pp QoQ
 +5.9pp 18.8% 26.1% 19.7% 88%
Leverage Ratio 14.5%
+0.8pp YoY
+0.2pp QoQ
 +2.4pp 12.2% 13.9% 12.6% 84%
Total Capital Ratio 25.7%
+0.9pp YoY
-0.3pp QoQ
 +5.8pp 19.9% 27.2% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 36
-4 (-10.0%) YoY
-2 (-5.3%) QoQ
 -23 58 914 482 36%
Assets per Employee ($) $5.5M
+12.1% YoY
+5.7% QoQ
 -$2.0M $7.5M $14.8M $8.8M 23%
Branch Count 4
0 YoY
0 QoQ
 -1 4 27 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.0%
+0.6pp YoY
+0.3pp QoQ
 +0.1pp 0.9% 1.3% 1.0% 72%
Allowance Coverage 0.83x
-57.6% YoY
-28.5% QoQ
 -23.33x 24.15x 1.92x 20.23x 22%
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 3.9%
+0.3pp YoY
0.0pp QoQ
 -8.3pp 12.2% 7.9% 11.6% 10%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.8% 1.7% 7%
Net Income ($, YTD) $615,000
+15.2% YoY
— QoQ
 -$1.9M $2.6M $111.2M $40.4M 14%

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
#115 of 742 • Bottom 15.4% 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: 24.73%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 85.84%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Flatlined Growth

risk
#105 of 529 • Bottom 19.7% 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: 0.62%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#98 of 361 • Bottom 26.9% in tier

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

Why this signature
Efficiency Ratio: 81.01%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

190
Tier 1 Capital Ratio
capital
Value: 24.73%
Peer Median: 15.91%
#190 of 2643 Top 7.2% in $100M-$1B

Top Weaknesses (4 metrics)

2312
Efficiency Ratio
profitability
Value: 81.01%
Peer Median: 64.48%
#2312 of 2643 Bottom 12.6% in $100M-$1B
2270
Non-Interest-Bearing Deposit Share
funding
Value: 11.84%
Peer Median: 22.03%
#2270 of 2643 Bottom 14.2% in $100M-$1B
2230
Return on Assets
profitability
Value: 0.62%
Peer Median: 1.32%
#2230 of 2643 Bottom 15.7% in $100M-$1B
2031
Total Deposits
size
Value: $157.62M
Peer Median: $326.73M
#2031 of 2643 Bottom 23.2% in $100M-$1B
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