| Balance Sheets | 2025-09-30 | |||
|---|---|---|---|---|
| Cash and due from banks | 3,949 | |||
| Interest-bearing deposits in bank | 710 | |||
| Total cash and cash equivalents | 4,659 | |||
| Securities available-for-sale, at fair value | 40,931 | |||
| Total loans | 132,835 | |||
| Net deferred loan fees | 483 | |||
| Net discounts on purchased loans | 714 | |||
| Allowance for credit losses | 1,100 | |||
| Loans receivable, net of allowance for credit losses september 30, 2025 1,100 and september 30, 2024 1,063 and net of discount at september 30, 2025 714 and september 30, 2024 832 and deferred loan fees of 483 at september 30, 2025 and 437 at september 30, 2024 | 131,504 | |||
| Investments in restricted stock, at cost | 1,109 | |||
| Bank owned life insurance | 7,307 | |||
| Premises and equipment, net | 2,904 | |||
| Foreclosed real estate, net | 105 | |||
| Core deposit intangible, net | 1,294 | |||
| Goodwill | 4,237 | |||
| Accrued interest receivable and other assets | 4,478 | |||
| Total assets | 198,528 | |||
| Non-interest-bearing demand | 18,167 | |||
| Now and money market | 46,870 | |||
| Savings and club | 53,712 | |||
| Time certificates | 36,031 | |||
| Total deposits | 154,780 | |||
| Advances from the federal home loan bank | 7,000 | |||
| Advanced payments from borrowers for taxes and insurance | 501 | |||
| Accrued interest payable and other liabilities | 4,139 | |||
| Total liabilities | 166,420 | |||
| Common stock, .01 par value september 30, 2025 and september 30, 2024 75,000,000 shares authorized september 30, 2025 1,107,134 issued and 1,050,945 outstanding and september 30, 2024 1,107,134 issued and outstanding | 11 | |||
| Additional paid-in capital | 6,514 | |||
| Unearned common stock held by employee stock ownership plan (unallocated shares september 30, 2025 50,133 september 30, 2024 53,989) | 501 | |||
| Retained earnings | 28,972 | |||
| Accumulated other comprehensive loss | -2,187 | |||
| Authorized but unissued stock, at cost, (shares september 30, 2025 56,189 september 30, 2024 0) | 701 | |||
| Total shareholders' equity | 32,108 | |||
| Total liabilities and shareholders' equity | 198,528 | |||
Gouverneur Bancorp, Inc. MD (GOVB)
Gouverneur Bancorp, Inc. MD (GOVB)