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	Mar '26 Mar 31, 2026	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	5.97	4.66	6.37	10.41	14.34	11.05
Investment Securities	39.36	29.81	34.18	39.19	41.92	21.05
Trading Asset Securities	-	-	0.01	0.25	1.05	-
Mortgage-Backed Securities	-	11.12	11.17	7.92	8.44	3.57
Total Investments	39.36	40.93	45.36	47.36	51.42	24.62
Gross Loans	132.21	133.32	126.15	127.04	126.94	86.77
Allowance for Loan Losses	-	-1.1	-1.06	-0.62	-0.62	-0.62
Other Adjustments to Gross Loans	-	-0.71	-0.83	-0.99	-1.21	-
Net Loans	132.21	131.5	124.26	125.43	125.11	86.15
Property, Plant & Equipment	2.99	2.94	2.97	3.09	3.16	2.4
Goodwill	-	4.24	4.24	4.24	3.96	-
Other Intangible Assets	5.37	1.29	1.66	2.08	2.54	-
Loans Held for Sale	-	-	-	-	-	0.2
Accrued Interest Receivable	12.43	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	-	0.11	-	0.1	0.08	0.28
Other Long-Term Assets	-	8.76	8.75	8.12	8.07	7.83
Total Assets	198.33	198.53	197.26	205.89	213.02	134.92
Interest Bearing Deposits	159.99	105.01	105.19	91.43	111.39	86.61
Institutional Deposits	-	31.6	37.2	42.3	46.8	-
Non-Interest Bearing Deposits	-	18.17	17.52	25.05	25.76	14.14
Total Deposits	159.99	154.78	159.9	158.78	183.95	100.75
Short-Term Borrowings	1	7	-	13.99	-	1.11
Accrued Interest Payable	4.61	0	0	0.07	0	0.02
Long-Term Leases	-	0.04	0.04	0.02	-	-
Pension & Post-Retirement Benefits	-	1.66	1.67	1.77	2.02	3.91
Other Long-Term Liabilities	-	2.94	2.88	6.15	2.22	1.73
Total Liabilities	165.59	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	6.31	6.51	6.49	5.04	5.04	5.04
Retained Earnings	29.38	28.97	28.41	28.24	28.13	26.72
Treasury Stock	-0.64	-0.7	-	-4.07	-4.07	-4.07
Comprehensive Income & Other	-2.33	-2.69	-2.15	-4.12	-4.29	-0.3
Shareholders' Equity	32.73	32.11	32.77	25.11	24.83	27.4
Total Liabilities & Equity	198.33	198.53	197.26	205.89	213.02	134.92
Total Debt	1	7.04	0.04	14.01	-	1.11
Net Cash (Debt)	4.97	-2.38	6.34	-2.87	16.11	9.94
Net Cash Growth	-36.40%	-	-	-	62.07%	-
Net Cash Per Share	4.86	-2.32	6.02	-2.65	14.87	9.18
Filing Date Shares Outstanding	1.03	0.99	1.05	1.11	1.08	1.08
Total Common Shares Outstanding	1.03	1	1.05	1.08	1.08	1.08
Book Value Per Share	31.68	32.08	31.11	23.17	22.91	25.29
Tangible Book Value	27.36	26.58	26.86	18.79	18.33	27.4
Tangible Book Value Per Share	26.48	26.56	25.51	17.34	16.92	25.29

Source: S&P Global Market Intelligence. Banks template. Financial Sources.