C
Gouverneur Savings and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
25.18
Leverage
Ratio
13.92
Return On
Assets
0.57%
Total
Assets
198.84M
Capital
30.86M
Total
Deposits
156.55M
Net
Income
851.00K
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Weiss Ratings Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Rating C
Asset Quality Index 7.60
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 3.30
Stability Index 7.00
Company Info Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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FDIC Number 30976
Phone Number (315) 287-2600
Website www.gouverneurbank.com
Asset Quality Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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1-Year Asset Growth 0.59%
5-Year Asset Growth 11.38%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.41%
Non-Performing Loans to Capital 2.49%
Non-Performing Loans to Loans 0.54%
Balance Sheet Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Total Assets 198.84M
Total Deposits 156.55M
Capital and Reserves Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Capital 30.86M
Leverage Ratio 13.92
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 25.18
Liquidity Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Hot Money Ratio 11.09%
Liquidity Ratio 11.18%
Profitability Gouverneur Savings and Loan Association
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5-Year Return on Average Assets 0.44%
Net Income 851.00K
Net Interest Spread 4.19%
Operating Profit to Average Assets 0.61%
Overhead Efficiency Ratio 85.75%
Return on Assets 0.57%
Return on Equity 3.78%