Gouverneur Savings and Loan Association
Gouverneur, NY
IDRSSD: 905673
Total Assets
$198.84M
Latest filing
Total Deposits
$156.55M
Latest filing
Net Interest Margin
4.32%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Gouverneur Savings and Loan Association
42 Church St
Gouverneur, NY 13642
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1892FDIC Certificate 43810
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Gouverneur Savings and Loan Association (Main) | 42 Church St | Gouverneur, NY |
| CHAUMONT BRANCH | 12084 State Route 12e | Chaumont, NY |
| ALEXANDRIA BAY BRANCH | 15 Nys Route 12 | Alexandria Bay, NY |
| CAPE VINCENT BRANCH | 154 E Broadway St | Cape Vincent, NY |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
GS&L Municipal Bank
Gouverneur, New York
→
Assets: $37.62MΔ -80.9%
The First National Bank of Groton
Groton, New York
→
Assets: $197.31MΔ +0.1%
Alpine Capital Bank
New York, New York
→
Assets: $199.75MΔ +1.4%
Savannah Bank National Association
Savannah, New York
→
Assets: $190.19MΔ -3.5%
Massena Savings and Loan
Massena, New York
→
Assets: $188.75MΔ -4.2%
The First National Bank of Dryden
Dryden, New York
→
Assets: $212.60MΔ +7.9%
Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 01/01/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13642 |
| State and County Number | 36089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 35 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ogdensburg-Massena, NY |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/16/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.gouverneurbank.com |
| Data Updated | 11/14/2025 |
| CERT | 30976 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $198.84M |
| Total Deposits | $156.55M |
| Total Liabilities | $167.98M |
| Total Equity Capital | $30.86M |
| Net Income | $317.00k |
| Net Loans and Leases | $131.50M |
| Assets Per Employee ($Millions) | $5.23M |
| Bank Premises and Fixed Assets | $2.89M |
| Cash and Balances due from Depository Institutions | $4.36M |
| Deposits Held in Domestic Offices | $156.55M |
Key Performance Ratios
| Return on Assets (ROA) | 0.64% |
| Return on Equity (ROE) | 4.17% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 81.6% |
| Tier 1 Risk-Based Capital Ratio | 24.181% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.52% |
| Earning Assets to total Assets | 87.06% |
Income and Expense
| Total Interest Income | $2.22M |
| Total Noninterest Income | $238.00k |
| Total Interest Expense | $367.00k |
| Total Noninterest Expense | $1.79M |
| Net Interest Income | $1.85M |
| Pre-tax Net Operating Income | $259.00k |
| Provision for Credit Losses | $33.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $105.00k |
| Other borrowed funds | $7.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.92M |
| Total Liabilities and Capital | $198.84M |
Securities
| Securities | $40.93M |
| Available-for-sale debt securities | $40.93M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Gouverneur Savings and Loan Association?
$198.84M as of the latest filing.
How much are Gouverneur Savings and Loan Association's total deposits?
$156.55M in total deposits.
Where is Gouverneur Savings and Loan Association located?
Gouverneur, NY.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1892.
What is the Return on Assets (ROA)?
0.64%.
How much are total loans and leases?
$131.50M (latest filing).
What is the total interest income (latest filing)?
$2.22M.