Gouverneur Bancorp, Inc./MD/ (GOVB) Form 10-Q — Aug 13, 2026
Gouverneur Bancorp reported fiscal Q3 2026 net income of $239,000, up from $217,000 a year earlier, with nine-month net income of $743,000 versus $495,000 in the prior-year period. Diluted EPS came in at $0.23 for the quarter and $0.72 for the nine months, versus $0.22 and $0.48 a year ago, helped by a $61,000 increase in quarterly net interest income and a $30,000 gain on a foreclosed property sale. The balance sheet expanded modestly, with total assets at $198.7 million, net loans up 2.53% to $135.3 million, and deposits up to $155.7 million.
Key figures
- Eps
- 0.72
- Net Income
- 743000
- Total Debt
- 4000000
- Total Assets
- 198678000
- Cash Position
- 6339000
- Shares Outstanding
- 1058922
- Q3 eps
- 0.23
- Fhlb advances
- 4000000
- Total deposits
- 155681000
- Uninsured deposits
- 30300000
- Total capital ratio
- 25.7%
- Loans receivable net
- 135297000
- Non performing loans
- 1400000
- Q3 fy2026 net income
- 239000
- Tier 1 capital ratio
- 24.7%
- Net interest income q3
- 1871000
- Net interest margin q3
- 4.25% (+10 bps YoY)
- Dividends ytd per share
- $0.18
- Fhlb available liquidity
- 62400000
- Q3 prior year net income
- 217000
- Nine month prior year eps
- 0.48
- Dividends paid nine months
- 191000
- Securities available for sale
- 35194000
- Stock repurchases nine months
- 255000
- Non performing loans prior fye
- 695000
- Nine month prior year net income
- 495000
- Total interest income nine months
- 6716000
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