C
Gouverneur Savings and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
24.86
Leverage
Ratio
13.77
Return On
Assets
0.53%
Total
Assets
197.06M
Capital
30.01M
Total
Deposits
162.10M
Net
Income
534.00K
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Weiss Ratings Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Rating C
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 2.80
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 0.81%
5-Year Asset Growth 11.38%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.35%
Non-Performing Loans to Capital 2.00%
Non-Performing Loans to Loans 0.44%
Balance Sheet Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Total Assets 197.06M
Total Deposits 162.10M
Capital and Reserves Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Capital 30.01M
Leverage Ratio 13.77
Loan Loss Reserves to Loans 0.84%
Risk-Based Capital Ratio 24.86
Liquidity Gouverneur Savings and Loan Association
Gouverneur, NY 		Click to
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Hot Money Ratio 11.91%
Liquidity Ratio 12.25%
Profitability Gouverneur Savings and Loan Association
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5-Year Return on Average Assets 0.44%
Net Income 534.00K
Net Interest Spread 4.16%
Operating Profit to Average Assets 0.57%
Overhead Efficiency Ratio 85.61%
Return on Assets 0.53%
Return on Equity 3.59%