Gouverneur Bancorp Balance Sheet

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Cash & Equivalents	4.71	4.66	6.37	10.41	14.34	11.05
Investment Securities	30.48	29.81	34.18	39.19	41.92	21.05
Trading Asset Securities	-	-	0.01	0.25	1.05	-
Mortgage-Backed Securities	12.32	11.12	11.17	7.92	8.44	3.57
Total Investments	42.8	40.93	45.36	47.36	51.42	24.62
Gross Loans	134.93	133.32	126.15	127.04	126.94	86.77
Allowance for Loan Losses	-1.11	-1.1	-1.06	-0.62	-0.62	-0.62
Other Adjustments to Gross Loans	-0.69	-0.71	-0.83	-0.99	-1.21	-
Net Loans	133.13	131.5	124.26	125.43	125.11	86.15
Property, Plant & Equipment	2.9	2.94	2.97	3.09	3.16	2.4
Goodwill	4.24	4.24	4.24	4.24	3.96	-
Other Intangible Assets	1.21	1.29	1.66	2.08	2.54	-
Loans Held for Sale	-	-	-	-	-	0.2
Accrued Interest Receivable	0.68	0.63	0.6	0.63	0.59	0.35
Other Current Assets	-	0.18	0.19	0.43	0.41	0.13
Long-Term Deferred Tax Assets	-	2.18	2.04	2.53	2.46	1.16
Other Real Estate Owned & Foreclosed	0.16	0.11	-	0.1	0.08	0.28
Other Long-Term Assets	11.03	8.76	8.75	8.12	8.07	7.83
Total Assets	201.88	198.53	197.26	205.89	213.02	134.92
Interest Bearing Deposits	106.76	105.01	105.19	91.43	111.39	86.61
Institutional Deposits	34.1	31.6	37.2	42.3	46.8	-
Non-Interest Bearing Deposits	17.66	18.17	17.52	25.05	25.76	14.14
Total Deposits	158.52	154.78	159.9	158.78	183.95	100.75
Short-Term Borrowings	-	7	-	13.99	-	1.11
Accrued Interest Payable	0.01	0	0	0.07	0	0.02
Federal Home Loan Bank Debt, Long-Term	5	-	-	-	-	-
Long-Term Leases	0.01	0.04	0.04	0.02	-	-
Pension & Post-Retirement Benefits	-	1.66	1.67	1.77	2.02	3.91
Other Long-Term Liabilities	5.7	2.94	2.88	6.15	2.22	1.73
Total Liabilities	169.25	166.42	164.5	180.78	188.19	107.52
Common Stock	0.01	0.01	0.01	0.02	0.02	0.02
Additional Paid-In Capital	6.34	6.51	6.49	5.04	5.04	5.04
Retained Earnings	29.17	28.97	28.41	28.24	28.13	26.72
Treasury Stock	-0.56	-0.7	-	-4.07	-4.07	-4.07
Comprehensive Income & Other	-2.34	-2.69	-2.15	-4.12	-4.29	-0.3
Shareholders' Equity	32.63	32.11	32.77	25.11	24.83	27.4
Total Liabilities & Equity	201.88	198.53	197.26	205.89	213.02	134.92
Total Debt	5.03	7.04	0.04	14.01	-	1.11
Net Cash (Debt)	-0.32	-2.38	6.34	-2.87	16.11	9.94
Net Cash Growth	-	-	-	-	62.07%	-
Net Cash Per Share	-0.31	-2.32	6.02	-2.65	14.87	9.18
Filing Date Shares Outstanding	1.02	0.99	1.05	1.11	1.08	1.08
Total Common Shares Outstanding	1.02	1	1.05	1.08	1.08	1.08
Book Value Per Share	32.05	32.08	31.11	23.17	22.91	25.29
Tangible Book Value	27.18	26.58	26.86	18.79	18.33	27.4
Tangible Book Value Per Share	26.70	26.56	25.51	17.34	16.92	25.29

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.