For the quarter ending 2025-12-31, GOVB has $201,876K in assets. $169,251K in debts. $4,709K in cash and cash equivalents.
| Balance Sheets | 2025-12-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Cash and due from banks | 3,481 | 3,949 | 5,358 | |
| Interest-bearing deposits in bank | 1,228 | 710 | 1,847 | |
| Total cash and cash equivalents | 4,709 | 4,659 | 7,205 | |
| Securities available-for-sale, at fair value | 42,797 | 40,931 | 41,697 | |
| Total loans | 134,439 | 132,835 | - | |
| Net deferred loan fees | 495 | 483 | - | |
| Net discounts on purchased loans | 689 | 714 | - | |
| Allowance for credit losses | 1,112 | 1,100 | - | |
| Loans receivable, net of allowance for credit losses december 31, 2025 1,112 and september 30, 20251,100 and net of discount at december 31, 2025 689 and september 30, 2025 714 and deferred loan fees of 495 at december 31, 2025 and 483 at september 30, 2025 | 133,133 | 131,504 | 125,933 | |
| Investments in restricted stock, at cost | 1,022 | 1,109 | 813 | |
| Bank owned life insurance | 6,892 | 7,307 | 7,262 | |
| Premises and equipment, net | 2,869 | 2,904 | 2,878 | |
| Foreclosed real estate, net | 158 | 105 | 117 | |
| Core deposit intangible, net | 1,213 | 1,294 | 1,386 | |
| Goodwill | 4,237 | 4,237 | 4,237 | |
| Accrued interest receivable and other assets | 4,846 | 4,478 | 5,191 | |
| Total assets | 201,876 | 198,528 | 196,719 | |
| Non-interest-bearing demand | 17,660 | 18,167 | 16,916 | |
| Now and money market | 51,965 | 46,870 | 49,056 | |
| Savings and club | 51,925 | 53,712 | 55,691 | |
| Time certificates | 36,968 | 36,031 | 37,751 | |
| Total deposits | 158,518 | 154,780 | 159,414 | |
| Advances from the federal home loan bank | 5,000 | 7,000 | - | |
| Advanced payments from borrowers for taxes and insurance | 1,493 | 501 | 1,244 | |
| Accrued interest payable and other liabilities | 4,240 | 4,139 | 4,664 | |
| Total liabilities | 169,251 | 166,420 | 165,322 | |
| Common stock, .01 par value december 31, 2025 and september 30, 2025 75,000,000 shares authorized december 31, 2025 1,107,134 issued and 1,064,130 outstanding and september 30, 2025 1,107,134 issued and 1,050,945 outstanding | 11 | 11 | 11 | |
| Preferred stock, .01 par value june 30, 2025 and september 30, 2024 25,000,000 shares authorized none issued and outstanding | - | - | 0 | |
| Additional paid-in capital | 6,342 | 6,514 | 6,505 | |
| Unearned common stock held by employee stock ownership plan (unallocated shares december 31, 2025 46,277 september 30, 2025 50,133) | 463 | 501 | 501 | |
| Retained earnings | 29,165 | 28,972 | 28,735 | |
| Accumulated other comprehensive loss | -1,875 | -2,187 | -2,721 | |
| Authorized but unissued stock, at cost, (shares december 31, 2025 43,004 september 30, 2025 56,189) | 555 | 701 | 632 | |
| Total shareholders' equity | 32,625 | 32,108 | 31,397 | |
| Total liabilities and shareholders' equity | 201,876 | 198,528 | 196,719 | |
Gouverneur Bancorp, Inc. MD (GOVB)
Gouverneur Bancorp, Inc. MD (GOVB)