| Balance Sheets | 2025-06-30 | |||
|---|---|---|---|---|
| Loans receivable, net of allowance for credit losses june 30, 2025 1,072 and september 30, 2024 1,063 and net of discount at june 30, 2025 743 and september 30, 2024 832 and deferred loan fees of 456 at june 30, 2025 and 437 at september 30, 2024 | 125,933 | |||
| Securities available-for-sale, at fair value | 41,697 | |||
| Core deposit intangible, net | 1,386 | |||
| Interest-bearing deposits in bank | 1,847 | |||
| Cash and due from banks | 5,358 | |||
| Total cash and cash equivalents | 7,205 | |||
| Foreclosed real estate, net | 117 | |||
| Premises and equipment, net | 2,878 | |||
| Accrued interest receivable and other assets | 5,191 | |||
| Goodwill | 4,237 | |||
| Investments in restricted stock, at cost | 813 | |||
| Bank owned life insurance | 7,262 | |||
| Total assets | 196,719 | |||
| Accumulated other comprehensive loss | -2,721 | |||
| Authorized but unissued stock, at cost, (shares june 30, 2025 51,463 september 30, 2024 0) | 632 | |||
| Retained earnings | 28,735 | |||
| Preferred stock, .01 par value june 30, 2025 and september 30, 2024 25,000,000 shares authorized none issued and outstanding | 0 | |||
| Unearned common stock held by employee stock ownership plan (unallocated shares june 30, 2025 50,133 september 30, 2024 53,989) | 501 | |||
| Common stock, .01 par value june 30, 2025 and september 30, 2024 75,000,000 shares authorized june 30, 2025 1,107,134 issued and 1,055,671 outstanding and september 30, 2024 1,107,134 issued and outstanding | 11 | |||
| Additional paid-in capital | 6,505 | |||
| Total shareholders' equity | 31,397 | |||
| Time certificates | 37,751 | |||
| Non-interest-bearing demand | 16,916 | |||
| Savings and club | 55,691 | |||
| Now and money market | 49,056 | |||
| Total deposits | 159,414 | |||
| Advanced payments from borrowers for taxes and insurance | 1,244 | |||
| Accrued interest payable and other liabilities | 4,664 | |||
| Total liabilities | 165,322 | |||
| Total liabilities and shareholders' equity | 196,719 | |||
Gouverneur Bancorp, Inc. MD (GOVB)
Gouverneur Bancorp, Inc. MD (GOVB)