C
Gouverneur Savings and Loan Association
Rating Date
August 2026
Risk Based
Capital Ratio
25.74
Leverage
Ratio
14.53
Return On
Assets
0.61%
Total
Assets
198.86M
Capital
32.01M
Total
Deposits
157.62M
Net
Income
615.00K
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Weiss Ratings Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Rating C
Asset Quality Index 7.00
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 3.20
Stability Index 7.20
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 0.91%
5-Year Asset Growth 11.76%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 4.62%
Non-Performing Loans to Loans 1.00%
Balance Sheet Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Total Assets 198.86M
Total Deposits 157.62M
Capital and Reserves Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Capital 32.01M
Leverage Ratio 14.53
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 25.74
Liquidity Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Hot Money Ratio 11.30%
Liquidity Ratio 11.31%
Profitability Gouverneur Savings and Loan Association
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5-Year Return on Average Assets 0.63%
Net Income 615.00K
Net Interest Spread 4.30%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 84.80%
Return on Assets 0.61%
Return on Equity 3.87%