Gouverneur Savings and Loan Association

Headquarters: Gouverneur, New York
Charter: Bank
Assets: $198.9M
Fed district: New York
Regulator: FDIC
Holding company: Gouverneur Bancorp Inc.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Gouverneur Savings and Loan Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Gouverneur Savings and Loan Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Gouverneur Savings and Loan Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $80K in Q2 2026, 2.6% above the same quarter a year earlier ($78K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $6, the middle of its prices
Gouverneur Savings and Loan Association: $5 to $7
Gouverneur Savings and Loan Association: $5 to $7
U.S. median: no median
Overdraft (OD)
Gouverneur Savings and Loan Association: $32
Gouverneur Savings and Loan Association: $32
U.S. median: no median
NSF / Returned Item
Gouverneur Savings and Loan Association: $32
Gouverneur Savings and Loan Association: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 1.2% from Q3 2025 to Q2 2026, to $80K.

Service-charge income, Q2 2026

$80K

$81KQ3 2025

$90KQ4 2025

$82KQ1 2026

$80KQ2 2026

Against the median

Gouverneur Savings and Loan AssociationMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Gouverneur Savings and Loan Association · $199M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$194M to $204M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Gouverneur Savings and Loan Association(this institution)	Gouverneur, NY	$199M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank 21	Carrollton, MO	$202M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Commerce	Chelsea, OK	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Delight	Delight, AR	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chelsea Savings Bank	Belle Plaine, IA	$197M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Citizens State Bank	Sheldon, IA	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Elkton Bank & Trust Company	Elkton, KY	$199M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Fidelity Bank	Savanna, IL	$199M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frederick Community Bank, The	Paxton, IL	$196M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Financial Bank	Munich, ND	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank	Liberty, IL	$194M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Lineage Bank	Franklin, TN	$198M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lyons Federal Bank	Lyons, KS	$198M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnstar Bank National Association	Lake Crystal, MN	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mount Vernon Bank and Trust Company	Mount Vernon, IA	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Haven Bank	New Haven, CT	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northern Interstate Bank, N. A.	Norway, MI	$194M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Oklahoma Capital Bank	Tulsa, OK	$196M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PeoplesTrust Bank	Hamilton, AL	$201M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Simmesport State Bank	Simmesport, LA	$198M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust Co.	Nevada, IA	$198M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank	Quinton, OK	$194M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The First National Bank of Absecon	Absecon, NJ	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Dryden	Dryden, NY	$204M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Groton	Groton, NY	$204M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
THE SEILING STATE BANK	Seiling, OK	$195M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (20%) above the median of similar-sized banks.

Compared at $6, the middle of its two prices, against a peer median of $5 among 11 publishing peers.

Its two checking prices are $5 and $7.

$6 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Gouverneur Savings and Lo…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Gouverneur Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $80K
vs prior quarter: −$2K−2.4%; from Q1 2026
vs a year earlier: +$2K+2.6%; from Q2 2025
vs start of range: −$3K−3.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Gouverneur Savings and Loan Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$80K	−$2K	−2.4%
Q1 2026	$82K	−$8K	−8.9%
Q4 2025	$90K	+$9K	+11.1%
Q3 2025	$81K	+$3K	+3.8%
Q2 2025	$78K	+$7K	+9.9%
Q1 2025	$71K	−$8K	−10.1%
Q4 2024	$79K	−$4K	−4.8%
Q3 2024	$83K	+$6K	+7.8%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Gouverneur Savings and Loan Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge (audience not stated, treated as personal)$7
per month
Monthly service charge fee (audience not stated, treated as personal)$5
per month
For accounts with an average monthly balance less than $2,500.00$15
per month
Account closed within six months of opening$25
Checking Inactive/Dormant Account$5
per month
Account balancing assistance$25
Account research$25

Overdraft & NSF

Overdraft - each overdraft paid$32
per item
Nonsufficient funds$32
per item

ATM & Card

Debit card replacement fee$5
Replace lost debit card$5

Wire Transfers

Wire transfer: Outgoing$30
Wire transfer: Incoming$20

Check Services

Bank check$5
Stop payments$25
per item
Counter check$2.50
Copy of check (truncated accounts)$1.50

Account Services

Notary Service: Noncustomer$2
Garnishments$85
Levies/Restraining Notice$85

Retirement & IRA

There is an IRA transfer fee$25
per item

Other Fees

Extra statement$5
Fax: Customer$2
Photocopy$1.50

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Monthly service charge fee (audience not stated, treated as personal)	$5	per month	None
For accounts with an average monthly balance less than $2,500.00	$15	per month	None
Account closed within six months of opening	$25	Not stated	None
Checking Inactive/Dormant Account	$5	per month	None
Account balancing assistance	$25	Not stated	None
Account research	$25	Not stated	None
Overdraft & NSF
Overdraft - each overdraft paid	$32	per item	None
Nonsufficient funds	$32	per item	None
ATM & Card
Debit card replacement fee	$5	Not stated	None
Replace lost debit card	$5	Not stated	None
Wire Transfers
Wire transfer: Outgoing	$30	Not stated	None
Wire transfer: Incoming	$20	Not stated	None
Check Services
Bank check	$5	Not stated	None
Stop payments	$25	per item	None
Counter check	$2.50	Not stated	None
Copy of check (truncated accounts)	$1.50	Not stated	None
Account Services
Notary Service: Noncustomer	$2	Not stated	None
Garnishments	$85	Not stated	None
Levies/Restraining Notice	$85	Not stated	None
Retirement & IRA
There is an IRA transfer fee	$25	per item	None
Other Fees
Extra statement	$5	Not stated	None
Fax: Customer	$2	Not stated	None
Photocopy	$1.50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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