What is Gouverneur Savings and Loan Association's financial health grade?

Gouverneur Savings and Loan Association has a TFS Financial Health Grade of C+ (score: 77.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Gouverneur Savings and Loan Association have?

Gouverneur Savings and Loan Association has 4 branch locations across the United States.

Is Gouverneur Savings and Loan Association FDIC insured?

Yes, Gouverneur Savings and Loan Association is FDIC insured (Certificate #30976).

What are the total assets of Gouverneur Savings and Loan Association?

Gouverneur Savings and Loan Association has total assets of $202.1M as reported in its most recent FDIC filing.

Gouverneur Savings and Loan Association

BankGouverneur, New York

www.gouverneurbank.com

Total Assets

$202.1M

Total Deposits

$161.3M

Branches

Established

1892

TFS Health Grade

C+

77.6 / 100

Average financial health

How we grade

Gouverneur Savings and Loan Association is a bank headquartered in Gouverneur, New York, established in 1892. With $202.1M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C+ (77.6/100).

Capital & Safety

Tier 1 Capital Ratio

13.95%(8%)

Total Capital Ratio

25.51%(10%)

Non-Performing Loan Ratio

0.74%

Profitability

Return on Assets (ROA)

0.60%(1%)

Return on Equity (ROE)

3.91%(10%)

Net Interest Margin

4.19%

Efficiency Ratio

80.77%(60%)

Lending & Liquidity

Total Loans

$134.2M

Loan-to-Deposit Ratio

82.53%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+2.52%

Deposit Growth (YoY)

-1.25%

Net Income

$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Gouverneur Savings and Loan AssociationHQ	42 Church St	Gouverneur	NY	11
Gouverneur Savings and Loan Association	15 Nys Route 12	Alexandria Bay	NY	11
Gouverneur Savings and Loan Association	154 E Broadway St	Cape Vincent	NY	11
Gouverneur Savings and Loan Association	12084 State Route 12e	Chaumont	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.