FDIC Cert #30976 · Gouverneur, New York · Est. 1892

Gouverneur Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Gouverneur Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$202M
Total assets
B
Health grade · Good
0.60%
Return on assets
24.5%
Tier 1 capital

Data updated July 2026

The verdict

Gouverneur Savings and Loan Association earns a PlainBankData health grade of B (74/100), with well-capitalized at 24.50% Tier 1, 0.60% ROA, 81% efficiency ratio.

#2,994
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
24.50%
Tier 1 ratio - above the 10% well-capitalized line
19th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 30976 · NY B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2632/4307
  • PHOTO-FINISH Mid-Central National… · MN
  • TIER1-WELL 24.5% Tier 1
  • TEXAS-CLEAN 3.1% Texas
  • ROA-THIN 0.60% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Mid-Central National Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Gouverneur Savings and Loan Associati…

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Federal Savings… · SC · …74/100F&M Bank and Trust C… · MO ·…74/100Gouverneur Savings a… · NY ·…74/100Mid-Central National… · MN ·…74/100Westmoreland Federal… · PA ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gouverneur Savings and Loan Associati… · July 2026

What Gouverneur Savings and Loan Associati…'s Call Report plate shows

Gouverneur Savings and Loan Association (FDIC Cert #30976) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,632 of 4,307. Tier 1 capital prints at 24.50%, clearing the 10% well-capitalized line. The Texas Ratio is 3.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.60%. Balance-sheet scale is $202M, 2,994th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mid-Central National Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Gouverneur Savings and Loan Associati…

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Gouverneur Savings and Loan Association's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Gouverneur Savings and Loan Association remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Gouverneur Savings and Loan Association's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Gouverneur Savings and Loan Association's composite health score
Tier 1 Capital Ratio (24.50%) 40/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (3.07%) 20/20
Efficiency Ratio (80.77%) 0/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$202M

Total balance-sheet footings

Total Deposits

$161M

Customer-funded liabilities

Net Loans

$133M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 23.1% 24.5% 25.9%
Basel III capital ratios - Gouverneur Savings and Loan Association

Where Gouverneur Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gouverneur Savings and Loan Association's score of 74/100 falls in the highlighted band.

Gouverneur Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 39th percentile higher than 39% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gouverneur Savings and Loan Associati… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Gouverneur Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gouverneur Savings and Loan Association's $202M falls in the highlighted band.

Safety ratios for Gouverneur Savings and Loan Associati…

Tier 1 capital ratio
Well-capitalized 10%

24.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
24.50%
Texas Ratio
3.07%
Equity Capital
$32M

What these ratios mean →

Profitability metrics: Gouverneur Savings and Loan Associati…

Return on Assets (ROA)
19th percentile nationally
0.60%
Return on Equity (ROE)
3.91%
Efficiency Ratio
80.77%

What these mean →

Income & expense at Gouverneur Savings and Loan Associati…

$9M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gouverneur Savings and Loan Association reports a Texas Ratio of 3.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Gouverneur Savings and Loan Association on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($202M here), outside New York so the neighborhood is not state containment.

Central Bank and Trust $202M · WY Iowa Falls State Bank $202M · IA Union State Bank $202M · KS Madison County Community Bank $202M · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gouverneur Savings and Loan Association (FDIC Cert #30976) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Gouverneur Savings and Loan Association Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%