GOUVERNEUR, NY · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$199M
Total Deposits
$161M
Net Loans
$132M
Net Income
$305K
ROA
0.61%
Above avg for Small banks. Peer avg: 0.44%
ROE
3.85%
Risk-Based Capital
26.05%
Above avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 120 | 72.5% | 21.67% |
| 2023 | 132 | 68.18% | 20.45% |
| 2022 | 142 | 71.83% | 19.72% |
| 2021 | 216 | 66.2% | 22.69% |
| 2020 | 209 | 62.68% | 23.92% |
| 2019 | 140 | 60% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2025 | Satisfactory | Small Bank |
| Sep 2018 | Satisfactory | Small Bank |
Exam dates and details are paywalled
Total Branches
4
Branch Deposits
$162M
1-Year Change
-1
5-year net change: +2 branches
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Preview:
| 2018 | 146 | 61.64% | 26.03% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red