Gouverneur Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Gouverneur Bancorp has total assets of $204.9M and total equity of $32.1M. Total deposits are $160.3M, and total loans are $124.6M earning a Net Interest Margin of 4.2%. It has insufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are $8.7M.
Key information
6.4x
Asset to equity ratio
4.2%
Net interest margin
Total deposits | US$160.33m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.9% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$8.68m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GOVB's Assets to Equity ratio (6.4x) is low.
Allowance for Bad Loans: GOVB has a low allowance for bad loans (89%).
Low Risk Liabilities: 93% of GOVB's liabilities are made up of primarily low risk sources of funding.
Loan Level: GOVB has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: GOVB's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: GOVB has an appropriate level of bad loans (0.9%).