Compared with New York
10 of 18
compared fees are above the median.
4 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
78th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 18 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New York median | Published fees above the New York 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
Service charges were 3.7% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (78th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
10 of 18 compared published fees sit above the New York median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New York medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 1.2% from Q3 2025 to Q2 2026, to $80K. Its share of revenue, 3.7%, is above the 2.1% median for banks with under $300M in assets.
$80K
Gouverneur Savings and Loan AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $7; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Gouverneur Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| 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% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Gouverneur Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Gouverneur Savings and Loan Association by share.
Amounts from Gouverneur Savings and Loan Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| For accounts with an average monthly balance less than $2,500.00 | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within six months of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Checking Inactive/Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account research | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft - each overdraft paid | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit card replacement fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace lost debit card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer: Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer: Incoming | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Bank check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter check | $2.50Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of check (truncated accounts) | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Notary Service: Noncustomer | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishments | $85Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies/Restraining Notice | $85Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| There is an IRA transfer fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Extra statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax: Customer | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Gouverneur Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $157.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $89.4M | |
| Outside a metro area | 1 | $68.3M |
Watertown-Fort Drum, NY
4.2% of bank deposits, #6 of 8, up 3.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Watertown Savings Bank | 36.5% |
| Community Bank, National Association | 31.3% |
| Carthage Savings and Loan, National Association | 11.2% |
| KeyBank National Association | 10.7% |
| WSB Municipal Bank | 4.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Watertown-Fort Drum, NY, Gouverneur Savings and Loan Association holds 4.2% of bank deposits, #6 of 8, with 3 offices.
41 offices of 14 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
$2.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.2% share, 3 offices, #6 of 8
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
12 offices of 6 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.