Gouverneur Bancorp, Inc./MD/ Financial Summary

Complete Filing Data

Gouverneur Bancorp, Inc./MD/ reported Stockholders Equity of $25.11 million for FY2023.

All values from 10-K, 20-F, and 10-Q filings on SEC EDGAR, organized by financial statement. Scroll each table horizontally for the full history. Blank cells mean Gouverneur Bancorp, Inc./MD/ did not report that metric for that period in XBRL — often because accounting standards changed which tag a company files under (for example, most companies moved revenue to the ASC-606 tag in 2018), so a metric may continue in a different row. Rows marked * merge those successor tags into one continuous series, preferring the audited value from the newest-standard tag where periods overlap.

Income Statement

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022
Net Income *$733.0K$539.0K$317.0K$1.5M
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax-$143.0K$649.0K$89.0K-$1.1M
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax-$650.0K$3.1M-$900.0K-$5.3M
Other Comprehensive Income Loss Reclassification Adjustment From AOCI Pension And Other Postretirement Benefit Plans Before Tax-$55.0K$64.0K$354.0K$168.0K
Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax$15.0K-$17.0K-$94.0K-$45.0K
Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax$55.0K-$64.0K-$354.0K-$168.0K
Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent-$581.0K$2.5M$165.0K-$4.0M
Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax-$526.0K$2.5M-$189.0K-$4.2M
Interest Income Expense Net$7.1M$7.1M$7.6M$4.3M
Interest Income Expense After Provision For Loan Loss$7.1M$7.1M$7.5M$4.2M
Interest Expense Deposits$1.5M$1.2M$391.0K$178.0K
Income Tax Expense Benefit$60.0K-$63.0K-$84.0K$392.0K
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest$793.0K$476.0K$233.0K$1.9M
Gain Loss On Deferred Fees Plan Non Interest Expense$66.0K$78.0K$41.0K-$44.0K
Comprehensive Income Net Of Tax$152.0K$3.1M$482.0K-$2.5M
Interest Expense Borrowings$11.0K$317.0K$350.0K$4.0K

Quarterly (10-Q, single quarters)

Metric \ QuarterQ4 2025Q2 2025Q1 2025Q4 2024Q2 2024Q1 2024Q4 2023Q2 2023Q1 2023Q4 2022Q2 2022
Net Income *$287.0K$217.0K$118.0K$160.0K$183.0K$102.0K$118.0K$232.0K-$47.0K$46.0K$339.0K
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax$79.0K-$14.0K$27.0K-$299.0K-$59.0K-$114.0K$581.0K-$122.0K$162.0K$274.0K-$299.0K
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax$375.0K-$66.0K$127.0K-$1.4M-$282.0K-$542.0K$2.8M-$580.0K$771.0K$1.3M-$1.4M
Other Comprehensive Income Loss Reclassification Adjustment From AOCI Pension And Other Postretirement Benefit Plans Before Tax$16.0K-$16.0K-$16.0K-$6.0K$8.0K$2.0K$47.0K$141.0K$36.0K$37.0K$53.0K
Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax-$4.0K$4.0K$4.0K$2.0K-$2.0K-$1.0K-$12.0K-$37.0K-$10.0K-$10.0K-$11.0K
Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax-$16.0K$16.0K$16.0K$6.0K-$8.0K-$2.0K-$47.0K-$141.0K-$36.0K-$37.0K-$42.0K
Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent$312.0K-$68.0K$84.0K-$1.1M-$215.0K-$426.0K$2.2M-$317.0K$645.0K$1.1M-$1.1M
Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax$296.0K-$52.0K$100.0K-$1.1M-$223.0K-$428.0K$2.2M-$458.0K$609.0K$1.0M-$1.1M
Interest Income Expense Net$1.8M$1.8M$1.7M$1.8M$1.8M$1.8M$1.8M$1.8M$1.9M$2.0M$1.0M
Interest Income Expense After Provision For Loan Loss$1.8M$1.8M$1.7M$1.8M$1.8M$1.8M$1.7M$1.8M$1.9M$2.0M$1.0M
Interest Expense Deposits$348.0K$360.0K$390.0K$411.0K$321.0K$292.0K$243.0K$138.0K$67.0K$55.0K$64.0K
Income Tax Expense Benefit$20.0K$51.0K-$16.0K-$1.0K-$5.0K-$17.0K-$17.0K$12.0K-$72.0K-$36.0K$62.0K
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest$307.0K$268.0K$102.0K$159.0K$178.0K$85.0K$101.0K$244.0K-$119.0K$10.0K$401.0K
Gain Loss On Deferred Fees Plan Non Interest Expense$23.0K$28.0K$8.0K-$6.0K$3.0K$33.0K$12.0K$8.0K$14.0K$28.0K-$29.0K
Comprehensive Income Net Of Tax$599.0K$149.0K$202.0K-$971.0K-$32.0K-$324.0K$2.4M-$85.0K$598.0K$1.1M-$742.0K
Interest Expense Borrowings$63.0K$98.0K$75.0K$131.0K$125.0K$47.0K$6.0K

Balance Sheet

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022FY2021
Stockholders Equity$25.1M$24.8M$27.4M
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents$10.4M$14.3M$11.0M
Financing Receivable Allowance For Credit Loss Excluding Accrued Interest$623.0K$621.0K
Interest And Fee Income Loans And Leases$6.9M$6.5M$6.1M$4.0M
Gain Loss On Deferred Fees Plan Non Interest Income$66.0K$78.0K$41.0K-$44.0K
Provision For Loan Lease And Other Losses$59.0K$70.0K$122.0K$61.0K
Treasury Stock Common Shares0.00352.2K352.2K
Retained Earnings Accumulated Deficit$28.4M$28.2M$28.1M
Property Plant And Equipment Net$2.9M$3.1M$3.2M
Noninterest Bearing Deposit Liabilities$17.5M$25.1M$25.8M
Liabilities And Stockholders Equity$197.3M$205.9M$213.0M
Liabilities$164.5M$180.8M$188.2M
Interest Receivable And Other Assets$4.5M$5.0M$5.7M
Goodwill$4.2M$4.2M$4.0M
Finite Lived Intangible Assets Net$1.7M$2.1M$2.5M
Common Stock Value$11.0K$24.0K$24.0K
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect-$1.7M-$4.0M-$3.9M$3.3M
Cash And Due From Banks$4.3M$9.3M$10.1M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q2 2023Q1 2023Q4 2022Q2 2022Q1 2022
Stockholders Equity$32.6M$32.1M$31.4M$31.4M$31.7M$32.8M$31.7M$31.7M$32.1M$26.3M$26.3M$25.9M$25.7M$26.4M
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents$4.7M$4.7M$7.2M$7.9M$7.0M$6.4M$6.3M$10.1M$8.1M$7.7M$7.7M$6.2M$8.3M
Financing Receivable Allowance For Credit Loss Excluding Accrued Interest$1.1M$1.1M$1.1M$1.1M$1.1M$1.1M$1.1M$1.1M$1.1M$598.0K$675.0K$634.0K
Interest And Fee Income Loans And Leases$1.8M$1.7M$1.7M$1.7M$1.7M$1.6M$1.6M$1.5M$1.5M$1.5M$971.0K
Gain Loss On Deferred Fees Plan Non Interest Income$23.0K$28.0K$8.0K-$6.0K$3.0K$33.0K$12.0K$8.0K$14.0K$28.0K-$29.0K
Provision For Loan Lease And Other Losses$13.0K$15.0K$70.0K$30.0K$15.0K$15.0K
Treasury Stock Common Shares43.0K56.2K51.5K48.7K344.000.000.000.00352.2K
Retained Earnings Accumulated Deficit$29.2M$29.0M$28.7M$28.6M$28.5M$28.3M$28.1M$28.0M$28.2M
Property Plant And Equipment Net$2.9M$2.9M$2.9M$2.9M$2.9M$3.0M$3.0M$3.0M$3.1M
Noninterest Bearing Deposit Liabilities$17.7M$18.2M$16.9M$16.6M$16.1M$18.2M$18.0M$19.2M$19.3M
Liabilities And Stockholders Equity$201.9M$198.5M$196.7M$197.4M$196.8M$195.1M$203.7M$204.9M$203.1M
Liabilities$169.3M$166.4M$165.3M$166.0M$165.0M$163.4M$172.0M$172.9M$176.9M
Interest Receivable And Other Assets$4.8M$4.5M$5.2M$4.7M$4.6M$4.6M$4.5M$4.9M$4.6M
Goodwill$4.2M$4.2M$4.2M$4.2M$4.2M$4.2M$4.2M$4.2M$4.0M
Finite Lived Intangible Assets Net$1.2M$1.3M$1.4M$1.5M$1.6M$1.8M$1.9M$2.0M$2.2M
Common Stock Value$11.0K$11.0K$11.0K$11.0K$11.0K$11.0K$11.0K$11.0K$24.0K
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect$50.0K$643.0K-$2.3M-$8.2M
Cash And Due From Banks$3.5M$3.9M$5.4M$4.5M$3.5M$4.1M$8.4M$6.6M$6.0M

Cash Flow Statement

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities$4.9M$9.9M$5.8M$2.1M
Payments To Acquire Property Plant And Equipment$177.0K$98.0K$160.0K$188.0K
Payments To Acquire Available For Sale Securities Debt$2.9M$5.1M$7.8M$1.9M
Net Cash Provided By Used In Operating Activities$830.0K-$3.0M$5.7M-$2.5M
Net Cash Provided By Used In Investing Activities-$3.6M$6.8M$1.8M-$48.0K
Net Cash Provided By Used In Financing Activities$1.0M-$7.9M-$11.4M$5.9M
Increase Decrease In Loans To Federal Home Loan Banks$7.5M-$684.0K$721.0K$2.1M
Increase Decrease In Deposits-$5.1M$1.1M-$25.2M$6.0M
Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance$18.0K$40.0K$10.0K-$42.0K
Increase Decrease In Accrued Interest Receivable And Other Assets-$162.0K$98.0K-$531.0K$2.3M
Share Based Compensation$24.0K$37.0K

Quarterly (10-Q, single quarters)

Metric \ QuarterQ4 2025Q4 2024Q4 2023Q4 2022
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities$3.6M$958.0K$959.0K$801.0K
Payments To Acquire Property Plant And Equipment$14.0K$65.0K$7.0K$63.0K
Payments To Acquire Available For Sale Securities Debt$5.0M$429.0K$811.0K$2.0M
Net Cash Provided By Used In Operating Activities$459.0K$340.0K-$3.5M-$40.0K
Net Cash Provided By Used In Investing Activities-$3.0M-$238.0K$849.0K$1.0M
Net Cash Provided By Used In Financing Activities$2.6M$541.0K$340.0K-$9.1M
Increase Decrease In Loans To Federal Home Loan Banks$1.7M$704.0K-$387.0K-$519.0K
Increase Decrease In Deposits$3.7M-$230.0K$1.5M-$13.6M
Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance$992.0K$864.0K$849.0K$779.0K
Increase Decrease In Accrued Interest Receivable And Other Assets$453.0K-$239.0K$485.0K$293.0K
Share Based Compensation$19.0K$42.0K$37.0K

Per-Share & Share Counts

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022
Earnings Per Share Diluted$0.72$0.51$0.16$0.75
Earnings Per Share Basic$0.72$0.51$0.16$0.75
Common Stock Dividends Per Share Declared$0.16$0.10$0.16
Preferred Stock Shares Issued0.000.000.00
Preferred Stock Shares Authorized25.0M1.0M1.0M
Preferred Stock Par Or Stated Value Per Share$0.01$0.01$0.01
Common Stock Shares Issued1.1M2.0M2.0M
Common Stock Shares Authorized75.0M9.0M9.0M
Common Stock Par Or Stated Value Per Share$0.01$0.01$0.01

Quarterly (10-Q, single quarters)

Metric \ QuarterQ4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q2 2022Q1 2022
Earnings Per Share Diluted$0.28$0.22$0.11$0.15$0.17$0.10$0.11$0.11$-0.02$0.02$0.17
Earnings Per Share Basic$0.28$0.22$0.11$0.15$0.17$0.10$0.11$0.11$-0.02$0.02$0.17
Common Stock Dividends Per Share Declared$0.09$0.08$0.08$0.10$0.10$0.10
Preferred Stock Shares Issued0.000.000.000.000.000.000.000.000.00
Preferred Stock Shares Authorized25.0M25.0M25.0M25.0M25.0M25.0M25.0M25.0M1.0M
Preferred Stock Par Or Stated Value Per Share$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01
Common Stock Shares Issued1.1M1.1M1.1M1.1M1.1M1.1M1.1M1.1M2.0M
Common Stock Shares Authorized75.0M75.0M75.0M75.0M75.0M75.0M75.0M75.0M9.0M
Common Stock Par Or Stated Value Per Share$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01

Other Metrics

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022
Supplies And Postage Expense$113.0K$119.0K$147.0K$80.0K
Service Charges Income$322.0K$327.0K$331.0K$278.0K
Professional Fees$665.0K$671.0K$529.0K$861.0K
Other Noninterest Expense$976.0K$749.0K$920.0K$698.0K
Occupancy Net$935.0K$955.0K$999.0K$648.0K
Noninterest Income$1.1M$772.0K$71.0K$2.8M
Noninterest Expense Directors Fees$351.0K$364.0K$282.0K$274.0K
Noninterest Expense$7.4M$7.4M$7.3M$5.1M
Labor And Related Expense$3.4M$3.6M$3.4M$2.3M
Interest Income Securities Taxable$1.2M$1.3M$1.4M$188.0K
Interest Income Securities Tax Exempt$515.0K$575.0K$521.0K$472.0K
Interest And Dividend Income Operating$8.7M$8.6M$8.2M$4.5M
Information Technology And Data Processing$407.0K$465.0K$459.0K$265.0K
Bank Owned Life Insurance Income$170.0K$154.0K$142.0K$137.0K
Unrealized Gain Loss On Derivatives-$9.0K-$240.0K-$802.0K$2.2M
Noninterest Income Other Operating Income$101.0K$52.0K$324.0K$219.0K
Interest Income Short Term Investment Other$116.0K$108.0K$94.0K$44.0K
Pension And Other Postretirement Benefit Expense$70.0K-$81.0K-$448.0K-$213.0K
Time Deposits$36.3M$24.5M$20.4M
Provision For Loan Losses Expensed$61.0K$74.0K$122.0K
Interest Paid Net$1.5M$1.5M$525.0K$297.0K
Interest Bearing Deposits In Banks$2.1M$1.1M$4.2M
Federal Home Loan Bank Stock$823.0K$1.5M$895.0K
Depreciation$197.0K$233.0K$242.0K$138.0K
Deposits Savings Deposits$57.9M$66.6M$83.7M
Deposits Money Market Deposits And Negotiable Order Of Withdrawal NOW$48.2M$42.6M$54.1M
Deposits$159.9M$158.8M$184.0M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q2 2024Q1 2024Q4 2023Q2 2023Q1 2023Q4 2022Q2 2022
Supplies And Postage Expense$22.0K$28.0K$37.0K$22.0K$29.0K$47.0K$24.0K$37.0K$36.0K$45.0K$20.0K
Service Charges Income$93.0K$81.0K$74.0K$83.0K$80.0K$75.0K$87.0K$79.0K$77.0K$92.0K$71.0K
Professional Fees$150.0K$180.0K$152.0K$156.0K$174.0K$192.0K$150.0K$131.0K$120.0K$106.0K$226.0K
Other Noninterest Expense$256.0K$197.0K$270.0K$269.0K$171.0K$190.0K$193.0K$236.0K$213.0K$229.0K$152.0K
Occupancy Net$242.0K$218.0K$268.0K$224.0K$222.0K$258.0K$238.0K$237.0K$270.0K$241.0K$156.0K
Noninterest Income$345.0K$256.0K$208.0K$244.0K$191.0K$196.0K$147.0K$275.0K-$181.0K-$190.0K$575.0K
Noninterest Expense Directors Fees$94.0K$82.0K$85.0K$96.0K$94.0K$90.0K$86.0K$71.0K$72.0K$71.0K$73.0K
Noninterest Expense$1.9M$1.8M$1.9M$1.8M$1.8M$1.9M$1.8M$1.8M$1.8M$1.8M$1.2M
Labor And Related Expense$899.0K$842.0K$839.0K$873.0K$876.0K$880.0K$863.0K$911.0K$874.0K$802.0K$531.0K
Interest Income Securities Taxable$262.0K$290.0K$305.0K$305.0K$327.0K$348.0K$357.0K$366.0K$356.0K$337.0K$39.0K
Interest Income Securities Tax Exempt$132.0K$128.0K$128.0K$128.0K$146.0K$150.0K$146.0K$120.0K$131.0K$145.0K$113.0K
Interest And Dividend Income Operating$2.2M$2.2M$2.1M$2.2M$2.1M$2.1M$2.1M$2.0M$2.0M$2.0M$1.1M
Information Technology And Data Processing$105.0K$100.0K$102.0K$107.0K$118.0K$120.0K$106.0K$115.0K$119.0K$109.0K$64.0K
Bank Owned Life Insurance Income$48.0K$43.0K$41.0K$41.0K$38.0K$38.0K$38.0K$35.0K$35.0K$36.0K$34.0K
Unrealized Gain Loss On Derivatives$0.00$0.00-$9.0K-$27.0K-$38.0K-$143.0K$40.0K-$387.0K-$436.0K$434.0K
Noninterest Income Other Operating Income$1.0K$23.0K$9.0K$55.0K$69.0K$16.0K$4.0K$103.0K$78.0K$79.0K$54.0K
Interest Income Short Term Investment Other$32.0K$23.0K$41.0K$11.0K$17.0K$24.0K$18.0K$31.0K$23.0K$6.0K
Pension And Other Postretirement Benefit Expense-$20.0K$20.0K$20.0K$8.0K-$10.0K-$3.0K-$59.0K-$178.0K-$46.0K-$47.0K
Time Deposits$37.0M$36.0M$37.8M$38.6M$38.0M$33.0M$30.3M$28.9M$20.8M
Provision For Loan Losses Expensed$14.0K$9.0K$5.0K$15.0K$68.0K$30.0K$47.0K$15.0K
Interest Paid Net$410.0K$382.0K$348.0K$37.0K
Interest Bearing Deposits In Banks$1.2M$710.0K$1.8M$3.3M$3.5M$2.2M$1.8M$1.5M$1.7M
Federal Home Loan Bank Stock$1.0M$1.1M$813.0K$815.0K$821.0K$1.0M$1.0M$1.2M$1.4M
Depreciation$49.0K$56.0K$64.0K$54.0K
Deposits Savings Deposits$51.9M$53.7M$55.7M$56.9M$58.6M$54.7M$58.9M$63.7M$70.6M
Deposits Money Market Deposits And Negotiable Order Of Withdrawal NOW$52.0M$46.9M$49.1M$49.7M$47.0M$47.6M$55.6M$48.5M$49.9M
Deposits$158.5M$154.8M$159.4M$161.8M$159.7M$153.4M$162.8M$160.3M$160.6M

Most recent annual filing with the SEC: December 19, 2025

Data sourced from SEC EDGAR public filings as of August 5, 2026.