C
Gouverneur Savings and Loan Association
Rating Date
March 2026
Risk Based
Capital Ratio
25.51
Leverage
Ratio
13.95
Return On
Assets
0.59%
Total
Assets
202.11M
Capital
31.51M
Total
Deposits
161.32M
Net
Income
1.19M
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Weiss Ratings Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Rating C
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 2.60
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 2.52%
5-Year Asset Growth 11.76%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 3.49%
Non-Performing Loans to Loans 0.74%
Balance Sheet Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Total Assets 202.11M
Total Deposits 161.32M
Capital and Reserves Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Capital 31.51M
Leverage Ratio 13.95
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 25.51
Liquidity Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Hot Money Ratio 10.78%
Liquidity Ratio 10.37%
Profitability Gouverneur Savings and Loan Association
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5-Year Return on Average Assets 0.44%
Net Income 1.19M
Net Interest Spread 4.16%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 85.08%
Return on Assets 0.59%
Return on Equity 3.91%