Gouverneur Bancorp
Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides various banking products and services to individuals and businesses in New York. It accepts savings deposit, NOW, money market deposit, and checking accounts, as well as certificates of deposit. The company's loan products include mortgage loans, one- to four-family residential loans… Read more
Gouverneur Bancorp - Asset Resilience Ratio
Gouverneur Bancorp (GOVB) has an Asset Resilience Ratio of 20.62% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Gouverneur Bancorp's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Gouverneur Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $40.93 Million | 20.62% |
| Total Liquid Assets | $40.93 Million | 20.62% |
Asset Resilience Insights
- Good Liquidity Position: Gouverneur Bancorp maintains a healthy 20.62% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Gouverneur Bancorp Industry Peers by Asset Resilience Ratio
Compare Gouverneur Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Gouverneur Bancorp (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Gouverneur Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-09-30 | 20.62% | $40.93 Million | $198.53 Million | -2.37pp |
| 2024-09-30 | 22.99% | $45.35 Million | $197.26 Million | +0.34pp |
| 2023-09-30 | 22.65% | $46.62 Million | $205.88 Million | -0.66pp |
| 2022-09-30 | 23.31% | $49.65 Million | $213.02 Million | +5.06pp |
| 2021-09-30 | 18.24% | $24.61 Million | $134.92 Million | +17.11pp |
| 2007-09-30 | 1.13% | $1.50 Million | $132.59 Million | +1.01pp |
| 2006-09-30 | 0.12% | $162.00K | $130.07 Million | -0.25pp |
| 2005-09-30 | 0.37% | $456.00K | $122.23 Million | -0.49pp |
| 2004-09-30 | 0.86% | $898.00K | $104.17 Million | -1.95pp |
| 2003-09-30 | 2.81% | $2.53 Million | $89.96 Million | +0.97pp |
| 2002-09-30 | 1.84% | $1.57 Million | $85.06 Million | +0.43pp |
| 2001-09-30 | 1.42% | $1.17 Million | $82.86 Million | -1.07pp |
| 2000-09-30 | 2.48% | $1.86 Million | $74.90 Million | -- |