Gouverneur Bancorp
- Company typePublic
- Founded1892
- HeadquartersGouverneur, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
Gouverneur Bancorp firmographics
Firmographics- Name
- Gouverneur Bancorp
- Legal name
- Gouverneur Bancorp, Inc.
- Website
- https://gouverneurbank.com
- Company type
- Public
- Founded year
- 1892
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Gouverneur Bancorp industry classification
Industry- Product category
- Community Savings and Loan Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Bank Branch / Retail Purchase Mortgages (FSALAAAA), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where Gouverneur Bancorp is headquartered
LocationHeadquarters
- HQ city
- Gouverneur
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Gouverneur Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Primary revenue stream from interest rate spread between lending rates (mortgages, consumer loans, commercial loans) and deposit rates (savings, checking, CDs). Net interest margin improved to 4.22% from 4.06% year-over-year.
- Non-Interest Income: Fee income from deposit account services, loan origination fees, wire transfers, safe deposit box rentals, and other banking services. Contributed to 81% increase in net income for six months ended March 31, 2026.
- Deposit Account Fees: Monthly service charges, minimum balance fees, and transaction fees on commercial and personal deposit accounts
- Mortgage Banking: Origination and servicing of mortgage loans including MAP Program, fixed rate mortgages, ARMs, construction loans, and home equity products
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking with Interest |
| Subscription | Monthly | Money Market Checking |
| Unit Pricing | Annual | Certificates of Deposit |
| Unit Pricing | Monthly | MAP Program Fixed Rate Mortgage |
| Unit Pricing | Monthly | Standard Fixed Rate Mortgage |
| Unit Pricing | Monthly | New Automobile Loan (Credit Score 740+) |
| Unit Pricing | Monthly | Personal Loans (Credit Score 740+) |
| Usage-based | Monthly | Home Equity Line of Credit |
| Subscription | Monthly | Commercial Checking Account |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels3 records
Gouverneur Bancorp product offering
Product offeringCore offering
Gouverneur Bancorp operates through Gouverneur Savings and Loan Association as a community savings and loan institution, accepting retail and commercial deposits (checking, savings, money market, CDs, IRAs) and originating consumer loans (personal, auto, home improvement, RV/camper/boat), residential mortgages (fixed-rate, ARM, MAP, HELOC, construction, no closing cost), and commercial loans (lines of credit, commercial real estate, equipment, letters of credit). Services are delivered through five physical branches in northern New York plus iBanking online, iMobile mobile app, automated telephone banking, and an Ellie Mae-powered mortgage application portal.
Product overview
Gouverneur Savings & Loan Association operates as a community savings and loan institution providing a comprehensive suite of banking products through a unified service platform. The core offerings center on deposit products (NOW Checking, Savings, Money Market, CDs, IRAs), consumer lending (Personal, Auto, Home Improvement, Recreational Vehicle loans), and mortgage products (Fixed/Adjustable Rate Mortgages, HELOCs, Construction Loans, No Closing Cost options). Commercial services include Lines of Credit, Commercial Real Estate Loans, Equipment Loans, and Business Checking/Money Market accounts. Digital banking is delivered through iBanking (online banking platform) and Mobile Banking App with Remote Deposit Capture, Bill Pay, and e-Documents features. The bank operates five branch locations in St. Lawrence, Jefferson, and Lewis Counties, NY, and maintains relationships with EllieMae for mortgage applications and MoneyPass for surcharge-free ATM access.
Differentiator
Problem solved
Functional benefit
Products and services
- Deposit Accounts (NOW Checking, Non-Interest Checking, Savings, Money Market, Holiday/Vacation Club, CDs, IRA CDs) Retail and personal deposit product suite including NOW interest-bearing checking ($25 minimum to open, $600 daily balance waives monthly fee), non-interest checking (no monthly service charge), passbook/statement savings ($1 minimum), tiered money market checking (0.10%–1.01% APY), Holiday Club and Vacation Club savings accounts, certificates of deposit from 6 to 48 months (up to 3.41% APY for 6-month CD), and traditional or Roth IRA CDs. Targeted at individual consumers and households in northern New York.
- Consumer Loans (Personal, Home Improvement, Passbook, Auto/Motorcycle, RV, Camper/Boat) Consumer lending portfolio including secured and unsecured personal loans (up to 5-year terms, minimum loan $1,500), home improvement loans (unsecured up to $10,000 with 90% proof of work), passbook loans secured by the borrower's own deposit account, new and used automobile and motorcycle loans (48–84 months, credit-score tiered pricing), and recreational vehicle loans including campers and boats (up to 120-month terms). Rates based on credit score, term, and collateral. Targeted at local consumer borrowers.
- Mortgage Products (MAP Fixed Rate, Fixed Rate Mortgages, ARM, HELOC, No Closing Cost, Second Mortgage, Construction) Residential mortgage suite including MAP Program competitive fixed-rate mortgages (15/20/30-year terms up to 6.002%–6.126% APR), traditional fixed-rate mortgages (10–30 year terms up to 97% LTV), adjustable-rate mortgages with 1/5/10-year initial fixed periods (2% annual cap, 6% lifetime cap), no-closing-cost mortgages for primary residences ($25,000 minimum), home equity lines of credit (10-year draw/10-year payback, Prime minus 0.50%), fixed-rate second mortgages (5–15 year terms), and construction loans with 12-month construction period. Applications processed through Ellie Mae online portal. Targeted at local homebuyers and homeowners.
- Commercial Banking (Commercial Checking, Commercial Money Market, Lines of Credit, Commercial Real Estate Loans, Installment Loans, Equipment Loans, Letters of Credit) Business banking suite including commercial checking ($7 monthly service charge offset by 1% daily earnings credit, $100 minimum to open, no per-item fees, free online banking/bill pay/debit cards/wire transfers), commercial money market accounts (tiered rates, no monthly charge with $2,501 daily balance), commercial lines of credit (variable rate tied to Prime for short-term working capital), commercial real estate loans (30% down, up to 20-year terms with 5-year balloon/rate adjustment), commercial installment loans (up to 5-year terms with collateral), equipment loans (up to 7-year terms, 30% down), and letters of credit for short-term needs (collateralized, annual renewal). Targeted at local businesses, LLCs, and commercial real estate developers.
- iBanking Online Banking Platform 24/7 online banking access for existing customers with fund transfers, bill pay, e-Docs statements delivery, debit card management, check reordering, and travel notification features. Free of charge to use. Targeted at retail and commercial account holders of Gouverneur Savings & Loan.
- Mobile Banking App (iMobile for Apple and Android) Full-featured mobile banking application available on Apple App Store (id1496809047) and Google Play (com.gouverneurbank.imobile) including Remote Deposit Capture, Bill Pay, and account management features for iOS and Android devices. Targeted at consumer and business account holders.
- EMV Debit Cards EMV chip-embedded debit cards issued to checking account holders for secure transactions, with fraud monitoring services and card deactivation capabilities. Targeted at deposit account holders.
- Online Mortgage Application Portal Online mortgage application portal at gouverneurbank.mymortgage-online.com, integrated with Ellie Mae platform for mortgage processing of primary residence, refinance, and HELOC applications. Targeted at prospective homebuyers and homeowners seeking to refinance.
- Automated Telephone Banking VRU-based automated telephone banking service available 24/7 at 1-888-817-0020, providing account access and basic banking functions by phone. Targeted at all account holders needing telephone channel access.
Quantifiable outcome
- Net income increased 84% year-over-year to $217,000 in Q2 fiscal 2026
- +4 more outcomes
Companies that use Gouverneur Bancorp
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Gouverneur Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Gouverneur Bancorp partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Equiniti Trust CompanyminorStock transfer agent and registrar services. Handles stock transfers, lost stock certificate replacements, change of address, account status, and duplicate mailings for Gouverneur Bancorp shareholders. Contact: 28 Liberty Street, Floor 53, New York, NY 10005. Phone: 800-937-5449.
Scale indicators12 records
Recent moves6 records
Expansion highlights4 records
Gouverneur Bancorp competitors and assessment
Company assessmentBroad incumbents
- ConnectOne Bancorp: Mid-Atlantic community bank offering consumer, mortgage, and commercial banking; broader in geography but overlapping in the small-community deposit and lending model.
- Bar Harbor Bankshares: Northern New England community bank with a deposit-gathering, mortgage, and commercial lending franchise that overlaps in product mix and small-town community banking strategy.
- CNB Financial Corp: Pennsylvania-based community bank holding company of larger scale with a similar relationship-banking model spanning consumer, mortgage, and commercial lending.
Direct peers
- Ballston Spa Bancorp (BSB Bancorp): New York mutual-to-stock converted community savings institution offering deposit and loan products to local markets, structurally comparable to Gouverneur's post-conversion franchise.
- Lake Shore Bancorp: Western New York community savings and loan holding company with overlapping consumer, mortgage, and commercial banking products serving a similar community customer base.
- Pathfinder Bancorp: New York-based community bank with similar asset size, branch-led deposit gathering, and residential mortgage focus; closest geographic and product profile peer for Gouverneur Bancorp.
- Greene County Bancorp: Upstate New York community savings bank with similar small-asset profile, deposit-heavy funding model, and residential mortgage origination franchise.
- Elmira Savings Bank: New York state-chartered savings bank of comparable size offering deposit, mortgage, and consumer lending products to a similar community banking customer base.
- Citizens Financial Services: Small Pennsylvania community bank with comparable asset size, branch-driven distribution, and full-service consumer, mortgage, and commercial banking mix.
Others
- Moneypass (ATM Network): Surcharge-free ATM network used by Gouverneur Bank for customer ATM access; relevant ecosystem partner rather than a direct banking competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Gouverneur Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gouverneur Bancorp leadership team
Management profileNumber of profiles
Profiles8 records
Gouverneur Bancorp subsidiaries and ownership
Company hierarchySubsidiaries1 record
Gouverneur Bancorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gouverneur Bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gouverneur Bancorp
What does Gouverneur Bancorp do?
Gouverneur Bancorp operates through Gouverneur Savings and Loan Association as a community savings and loan institution, accepting retail and commercial deposits (checking, savings, money market, CDs, IRAs) and originating consumer loans (personal, auto, home improvement, RV/camper/boat), residential mortgages (fixed-rate, ARM, MAP, HELOC, construction, no closing cost), and commercial loans (lines of credit, commercial real estate, equipment, letters of credit). Services are delivered through five physical branches in northern New York plus iBanking online, iMobile mobile app, automated telephone banking, and an Ellie Mae-powered mortgage application portal.
Is Gouverneur Bancorp a public or private company?
Gouverneur Bancorp is a public company. It is classified as public and is currently operating.
When was Gouverneur Bancorp founded?
Gouverneur Bancorp was founded in 1892. It employs 11 to 50 people.
Where is Gouverneur Bancorp based?
Gouverneur Bancorp is headquartered in Gouverneur, United States, in the North America region.
How does Gouverneur Bancorp make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income, deposit Account Fees and mortgage Banking.
Who are Gouverneur Bancorp's main competitors?
Broad incumbents on record are ConnectOne Bancorp, Bar Harbor Bankshares and CNB Financial Corp. Direct peers are Ballston Spa Bancorp (BSB Bancorp), Lake Shore Bancorp, Pathfinder Bancorp, Greene County Bancorp, Elmira Savings Bank and Citizens Financial Services. Moneypass (ATM Network) is listed as an others.
Does Gouverneur Bancorp have an API?
No public API is recorded for Gouverneur Bancorp.
What industry is Gouverneur Bancorp in?
Gouverneur Bancorp's product category is Community Savings and Loan Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52218 and its SIC code is 6036.