Gouverneur Bancorp posts higher Q2 2026 profit

Gouverneur Bancorp, Inc. reported stronger results for the quarter and six months ended March 31, 2026.

Rhea-AI Filing Summary

Gouverneur Bancorp, Inc. reported stronger results for the quarter and six months ended March 31, 2026. Quarterly net income rose to $217,000, or $0.21 per share, from $118,000, or $0.11, a year earlier. Six‑month net income increased to $504,000, or $0.49 per share, from $278,000, or $0.27.

Total assets were $198.3 million, deposits were $160.0 million, and shareholders’ equity was $32.7 million at March 31, 2026. Net interest margin improved to 4.22% for the quarter and 4.14% for the six months. Deposits grew while Federal Home Loan Bank advances declined significantly.

Positive

• Profitability strengthened materially: net income rose to $217,000 for the quarter and $504,000 for six months, with earnings per share nearly doubling versus the prior‑year periods, supported by higher loan interest income, stronger non‑interest income and improved net interest margin.

Negative

• None.

Insights

Banking earnings analyst

Gouverneur Bancorp delivered higher profitability with improved margins and balance sheet mix.

Gouverneur Bancorp increased quarterly net income to $217,000 and six‑month net income to $504,000, with earnings per share nearly doubling versus the prior‑year periods. Higher interest income on loans and a notable boost in non‑interest income supported these gains.

Net interest margin improved to 4.22% for the quarter and 4.14% for the six months, reflecting lower deposit interest costs relative to asset yields. Non‑interest income benefited from a $103,000 bank‑owned life insurance death benefit and a small securities gain, while non‑interest expenses were tightly controlled.

The balance sheet showed $198.3M in assets, deposit growth to $160.0M, and a sharp reduction in Federal Home Loan Bank advances from $7.0M to $1.0M. Return on average assets and equity improved for both the quarter and six‑month period ended March 31, 2026, indicating more efficient use of capital.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Quarterly net income: $217,000 Six‑month net income: $504,000 Quarterly EPS: $0.21 per share +5 more

8 metrics

Quarterly net income $217,000 For the quarter ended March 31, 2026

Six‑month net income $504,000 For the six months ended March 31, 2026

Quarterly EPS $0.21 per share Basic and diluted, quarter ended March 31, 2026

Total assets $198.3 million As of March 31, 2026

Total deposits $160.0 million As of March 31, 2026

Net interest margin (quarter) 4.22% Quarter ended March 31, 2026

Return on average assets (quarter) 0.44% Annualized, quarter ended March 31, 2026

Shareholders’ equity $32.7 million As of March 31, 2026

Key Terms

net interest margin, provision for credit loss, bank owned life insurance, accumulated other comprehensive loss, +2 more

6 terms

net interest margin financial

"Net interest margin, which represents net interest income as a percentage of average interest-earning assets, was 4.22% and 4.06%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

provision for credit loss financial

"The Bank recorded a $5,000 provision for credit loss for the three months ended March 31, 2026"

An amount a lender records as an expense to cover loans and other receivables it expects will not be repaid; think of it as a rainy-day fund set aside when some customers might default. It matters to investors because bigger provisions reduce current profit and signal worsening borrower quality or tighter lending standards, while smaller provisions can boost reported earnings but may hide rising credit risk that could hurt future cash flows.

bank owned life insurance financial

"The increase is primarily due to a $103,000 gain recognized from a bank-owned life insurance death benefit"

Bank owned life insurance is a type of life insurance a bank buys on the lives of its employees so the bank, rather than the employee’s family, receives the payout when a covered person dies. It acts like a long-term asset that pays income and can help cover costs such as employee benefits or unexpected losses; investors watch it because the holding affects a bank’s reported earnings, cash flow stability, and capital position much like a conservative investment portfolio would.

accumulated other comprehensive loss financial

"The increase in shareholders’ equity was primarily a result of a $0.3 million increase to the market value of the securities portfolio included in accumulated other comprehensive loss"

Accumulated other comprehensive loss is the running negative total of certain gains and losses that companies record outside their regular profit-and-loss statement, such as changes in the value of some investments, pension adjustments, or currency translation effects. It matters to investors because it reduces shareholders’ equity and reveals economic swings that haven’t affected reported net income yet — like a side ledger showing pending ups and downs that could influence future cash flow or balance-sheet strength.

Federal Home Loan Bank advances financial

"the Company held $1.0 million in advances from the Federal Home Loan Bank of New York (the “FHLBNY”), compared to $7.0 million in FHLBNY advances"

Federal Home Loan Bank advances are loans that member banks and similar lenders borrow from a regional Federal Home Loan Bank, typically backed by the borrower’s assets and used for short- or long-term funding. For investors, these advances reveal how much a lender relies on wholesale borrowing to fund loans and operations—similar to watching a company tap a line of credit—and changes in advance levels or rates can signal shifts in liquidity, funding cost and balance-sheet risk.

return on average assets financial

"Annualized Return on Average Assets | 0.44 % | 0.24 %"

Return on average assets (ROAA) measures how efficiently a company turns its assets into profit by comparing profit after expenses to the average value of its assets over a period (usually the average of beginning and ending assets). It matters to investors because it shows how well management uses the company’s resources to generate returns—think of it as how much profit a baker earns from the oven space they actually used over time.

Earnings Snapshot

Net income (quarter): $217,000

Quarter and six months ended March 31, 2026

Net income (quarter) $217,000

Net income (six months) $504,000

Earnings per share (quarter) $0.21

Earnings per share (six months) $0.49

Net interest margin (quarter) 4.22%

Net interest margin (six months) 4.14%

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How did Gouverneur Bancorp (GOVB) perform in Q2 fiscal 2026?

Gouverneur Bancorp’s Q2 fiscal 2026 net income was $217,000, up from $118,000 a year earlier. Earnings per share were $0.21, compared with $0.11. Higher loan interest income, stronger non‑interest income, and better cost control contributed to the improved quarterly performance.

What were Gouverneur Bancorp (GOVB) earnings for the six months ended March 31, 2026?

For the six months ended March 31, 2026, Gouverneur Bancorp reported net income of $504,000, versus $278,000 a year earlier. Earnings per share were $0.49, up from $0.27, reflecting higher net interest income, increased non‑interest income, and generally stable operating expenses.

How did Gouverneur Bancorp’s net interest margin change in fiscal 2026?

Net interest margin improved, reaching 4.22% for the quarter and 4.14% for the six months ended March 31, 2026. This compares with 4.06% and 4.02% in the prior‑year periods, helped by higher yields on loans and lower interest expense on deposits.

What is Gouverneur Bancorp’s asset and deposit base as of March 31, 2026?

As of March 31, 2026, Gouverneur Bancorp reported total assets of $198.3 million and total deposits of $160.0 million. Deposits increased from $154.8 million at September 30, 2025, mainly due to seasonal activity in commercial and municipal deposit relationships.

How did Gouverneur Bancorp’s funding mix change, especially FHLB advances?

Federal Home Loan Bank advances fell to $1.0 million at March 31, 2026, from $7.0 million at September 30, 2025. At the same time, deposits rose to $160.0 million, reducing reliance on wholesale funding while increasing core customer deposits on the balance sheet.

What were Gouverneur Bancorp’s return on assets and equity for Q2 2026?

For the quarter ended March 31, 2026, Gouverneur Bancorp’s annualized return on average assets was 0.44% and return on average equity was 2.68%. These figures improved from 0.24% and 1.52%, respectively, in the prior‑year quarter, reflecting stronger profitability.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 04/23/2026 - 08:14 AM EDT Learn about SEC filing dates

0001978811false00019788112026-04-212026-04-21

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 21, 2026

GOUVERNEUR BANCORP, INC.

(Exact name of registrant as specified in its charter)

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	​		​
Maryland	​ ​ ​	000-56605	​ ​ ​	37-2102925
(State or Other Jurisdiction of Incorporation)	​	(Commission File Number)	​	(IRS Employer Identification No.)

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42 Church Street, Gouverneur, New York 13642

(Address of principal executive offices, including zip code)

(315) 287-2600

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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	☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
​	​	​
​	☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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​	☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
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​	☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class:	​ ​ ​	Trading Symbol	​ ​ ​	Name of each exchange on which registered:
None			​

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 2.02     Results of Operations and Financial Condition.

On April 21, 2026, Gouverneur Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the three and six months ended March 31, 2026. A copy of the Company’s press release is attached as Exhibit 99.1 and is furnished herewith.

The information contained in this Item 2.02 and in Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific references in such a filing.

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Item 9.01     Financial Statements and Other Exhibits.

(d)	Exhibits:
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99.1	Press Release dated April 21, 2026
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104	Cover Page Interactive Data File (embedded within the inline XBRL document)

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2

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

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​	GOUVERNEUR BANCORP, INC.
​	​
​		​
​	By:	/s/ James D. Campanaro
​	Name:	James D. Campanaro
​	Title:	Vice President and Chief Financial Officer

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Date: April 23, 2026

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3

Exhibit 99.1

Gouverneur Bancorp, Inc. Announces Fiscal 2026 Second Quarter and Six Months Results

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Gouverneur, New York, April 21, 2026:  Gouverneur Bancorp, Inc. (OTCQB: GOVB) (the “Company”), the holding company for Gouverneur Savings and Loan Association (the “Bank”), today announced the Company’s results for the second quarter and six months of fiscal year 2026, ended March 31, 2026.

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The Company reported net income of $217,000, or $0.21 per basic and diluted share, for the quarter ended March 31, 2026, compared to net income of $118,000, or $0.11 per basic and diluted share, for the quarter ended March 31, 2025. The Company also reported net income of $504,000, or $0.49 per basic and diluted share, for the six months ended March 31, 2026, compared to net income of $278,000, or $0.27 per basic and diluted share, for the six months ended March 31, 2025.

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Summary of Financial Results

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Our results of operations depend primarily on our net interest income. Net interest income is the difference between the interest income we earn on our interest-earning assets, consisting primarily of loans and securities, and the interest we pay on our interest-bearing liabilities, consisting primarily of savings and club accounts, NOW and money market accounts and time certificates. Our results of operations also are affected by our provisions for credit losses, non-interest income and non-interest expense. Non-interest income currently consists primarily of service charges, earnings on bank owned life insurance and loan servicing fees. Non-interest expense currently consists primarily of salaries and employee benefits, directors’ fees, occupancy and data processing expense and professional fees. Our results of operations also may be affected significantly by other factors including, but not limited to, general and local economic and competitive conditions, changes in market interest rates, governmental policies and actions of regulatory authorities.

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Total assets decreased by $0.2 million, or 0.10%, from $198.5 million at September 30, 2025 to $198.3 million at March 31, 2026.  Securities available for sale decreased $1.6 million, or 3.84%, from $40.9 million as of September 30, 2025, to $39.3 million as of March 31, 2026. The decrease was primarily due to principal paydowns and proceeds received from maturities and sales, partially offset by reinvested proceeds and an increase in the market value of the Bank’s securities portfolio due to fluctuations in market rates. Net loans increased by $0.7 million or 0.53%, from $131.5 million at September 30, 2025 to $132.2 million at March 31, 2026.  The Bank recorded a $5,000 provision for credit loss for the three months ended March 31, 2026, primarily related to residential real estate, compared to no provision for credit loss recorded during the same period in the prior year. The Bank recorded a $18,000 provision for credit loss during the six months ended March 31, 2026, compared to a $15,000 provision for credit loss recorded during the same period in the prior year.

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Deposits increased $5.2 million or 3.36%, to $160.0 million at March 31, 2026 from $154.8 million at September 30, 2025 due to seasonal activity from commercial and municipal deposit relationships. At March 31, 2026, the Company held $1.0 million in advances from the Federal Home Loan Bank of New York (the “FHLBNY”), compared to $7.0 million in FHLBNY advances at September 30, 2025. The Bank did not hold any brokered deposits at either March 31, 2026 or September 30, 2025.

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Shareholders’ equity was $32.7 million at March 31, 2026, representing an increase of 1.94% from the September 30, 2025 balance of $32.1 million. The increase in shareholders’ equity was primarily a result of a $0.3 million increase to the market value of the securities portfolio included in accumulated

other comprehensive loss, as well as increase in net income. The increase in shareholders’ equity was partially offset by the repurchase of common stock, which was returned to authorized but unissued status by the Company, and by the declaration and payment of dividends. The Company declared cumulative dividends of $0.09 per share totaling $94,000 during the six months ended March 31, 2026, paid on November 17, 2025.  The Company’s book value was $30.86 per common share based on 1,060,694 shares issued and outstanding at March 31, 2026. The Company’s book value was $30.55 per common share based on 1,050,945 shares issued and outstanding at September 30, 2025.

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Total interest income increased $87,000, or 4.07%, from $2.1 million for the quarter ended March 31, 2025 to $2.2 million for the quarter ended March 31, 2026 due to an increase in loan income, partially offset by a decrease in interest income from investments in taxable securities. For the six months ended March 31, 2026, total interest income increased $161,000, or 3.74%, from $4.3 million for the six months ended March 31, 2025 to $4.5 million. Interest income on loans increased $143,000, or 8.51%, from $1.7 million for the quarter ended March 31, 2025 to $1.8 million for the quarter ended March 31, 2026. For the six months ended March 31, 2026, interest income on loans increased $276,000, or 8.18%, from the same period in fiscal 2025 due to an increase in loan volume origination and loan repricing.

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Total interest expense decreased $14,000, or 3.59%, from $390,000 for the quarter ended March 31, 2025 to $376,000 for the quarter ended March 31, 2026. For the six months ended March 31, 2026, total interest expense decreased $4,000, or 0.51%, from $791,000 for the six months ended March 31, 2025 to $787,000. Interest expense on deposits decreased $51,000, from $390,000 for the quarter ended March 31, 2025 to $339,000 for the quarter ended March 31, 2026. For the six months ended March 31, 2026, interest expense on deposits decreased $104,000, from $791,000 for the six months ended March 31, 2025 to $687,000. Interest expense on FHLBNY borrowings was $37,000 and $100,000 for the three and six months ended March 31, 2026, respectively, compared to no interest expense on FHLBNY advances for the three and six months ended March 31, 2025. The decrease in total interest expense for the three and six months ended March 31, 2026 was due to the decrease in retail deposit rates, consistent with decreases to the federal funds rate, as compared to the respective prior periods, partially offset by an increase in interest expense on FHLBNY advances.

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Net interest margin, which represents net interest income as a percentage of average interest-earning assets, was 4.22% and 4.06% for the quarters ended March 31, 2026 and 2025, and 4.14% and 4.02% for the six months ended March 31, 2026 and 2025, respectively. Net interest margin increased primarily due to an increase in net interest income.

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Non-interest income increased $18,000, or 8.65%, from $208,000 for the quarter ended March 31, 2025 to $226,000 for the quarter ended March 31, 2026. The increase is primarily due to an $11,000 increase in service charge income and a $2,000 gain on sale of available for sale securities during the quarter ended March 31, 2026. For the six months ended March 31, 2026, non-interest income increased $119,000, or 26.33%, from $452,000 for the six months ended March 31, 2025 to $571,000. The increase is primarily due to a $103,000 gain recognized from a bank-owned life insurance death benefit received during the first quarter of fiscal 2026.

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Non-interest expense decreased $5,000, from $1.9 million for the quarter ended March 31, 2025, to $1.8 million for the quarter ended March 31, 2026. The total decrease included a $33,000 decrease in salaries and employee benefits due to staffing changes over the prior year offset primarily by a $29,000 increase in building and occupancy expense. For the six months ended March 31, 2026, non-interest expenses increased $14,000 compared to the same period in fiscal 2025. This included a $47,000

increase in building, occupancy and equipment expenses due to higher utility costs and increased snow removal expenses during the winter season. Foreclosed asset expenses decreased $25,000 to a net benefit of $24,000 for the six months ended March 31, 2026, compared to a net expense of $1,000 for the six months ended March 31, 2025. The change was primarily due to a favorable fair value adjustment on a foreclosed property and the sale of a different foreclosed property during the six months ended March 31, 2026.

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Financial and Operational Metrics (GAAP) – The following information is unaudited and preliminary and based on the Company’s current data available at the time of presentation and is subject to change.

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​	​	​	​	​	​	​
​	​	As of		​	As of
​	​	3/31/2026		​	9/30/2025
​		​	(In Thousands)
​		​	(unaudited)	​	​	​
Statement of Condition	​ ​ ​	​	​	​ ​ ​	​	​
Assets	​	​	​	​	​	​
Cash and Cash Equivalents	​	$	5,972	​	$	4,659
Securities Available-for-Sale	​		39,358	​		40,931
Loans Receivable, Net of Allowance for Credit	​		​	​		​
Losses and Deferred Loan Fees	​		132,205	​		131,504
Premises and Equipment, Net	​		2,988	​		2,904
Goodwill and Intangible Assets	​		5,369	​	​	5,531
Accrued Interest Receivable and Other Assets	​		12,433	​	​	12,999
Total Assets	​	$	198,325	​	$	198,528
​	​	​	​	​	​	​
Liabilities and Shareholders’ Equity	​		​	​		​
Deposits	​	$	159,987	​	$	154,780
FHLB Advances	​		1,000	​		7,000
Accrued Interest Payable and Other Liabilities	​		4,606	​		4,640
Total Liabilities	​		165,593	​		166,420
​	​	​	​	​	​	​
Common Stock	​		11	​		11
Additional Paid in Capital	​		6,309	​		6,514
Unearned Common Stock held by ESOP	​		(463)	​		(501)
Retained Earnings	​		29,382	​		28,972
Accumulated Other Comprehensive Loss	​		(1,870)	​		(2,187)
Authorized but Unissued Stock	​		(637)	​		(701)
Total Shareholders’ Equity	​		32,732	​		32,108
Total Liabilities and Shareholders’ Equity	​	$	198,325	​	$	198,528

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For the Three Months Ended

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For the Six Months Ended

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3/31/2026

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3/31/2025

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3/31/2026

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3/31/2025

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(In Thousands except per share data)

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(unaudited)

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Statement of Earnings

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Interest Income

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$

2,224

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$

2,137

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$

4,464

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$

4,303

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Interest Expense

​

376

​

390

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787

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791

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Net Interest Income

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1,848

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1,747

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3,677

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3,512

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Provision for Credit Loss

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5

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—

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18

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15

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Net Interest Income After Provision for Credit Loss

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1,843

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1,747

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3,659

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3,497

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Non-interest Income

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226

​

208

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571

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452

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Non-interest Expenses

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1,848

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1,853

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3,702

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3,688

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Income Before Income Tax Expense (Benefit)

​

221

​

102

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528

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261

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Income Tax Expense (Benefit)

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4

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(16)

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24

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(17)

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Net Income

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$

217

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$

118

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$

504

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$

278

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Performance Ratios

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Basic and Diluted Earnings per Share

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$

0.21

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$

0.11

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$

0.49

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$

0.27

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Annualized Return on Average Assets

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0.44

%

0.24

%

0.50

%

0.28

%

Annualized Return on Average Equity

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2.68

%

1.52

%

3.11

%

1.74

%

Net Interest Margin

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4.22

%

4.06

%

4.14

%

4.02

%

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About Gouverneur Bancorp, Inc.

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Gouverneur Bancorp, Inc. is the holding company for Gouverneur Savings and Loan Association, which is a New York chartered savings and loan association founded in 1892 that offers deposit and loan services for businesses, families and individuals.  At March 31, 2026, Gouverneur Bancorp, Inc. had total assets of $198.3 million, total deposits of $160.0 million and total stockholders’ equity of $32.7 million.

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Forward-Looking Statements

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This press release may contain forward-looking statements, which can be identified by the use of words such as “believes,” “expects,” “anticipates,” “estimates” or similar expressions. Such forward-looking statements and all other statements that are not historic facts are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated due to a number of factors. These factors include, among others, the following: changes in interest rates; national and regional economic conditions; legislative and regulatory changes; monetary and fiscal policies of the U.S. government, including policies of the U.S. Treasury and the Federal Reserve Board; the impacts of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; the impact of changing political conditions or federal government shutdowns; the effect of acts of terrorism, war or pandemics, including on our credit quality and business operations, as well as on general economic and financial market conditions; the size, quality and composition of the loan or investment portfolios; demand for loan products; deposit flows and our ability to effectively manage liquidity; competition; demand for financial services in our market area; changes in real estate market values in our market area; changes in relevant accounting principles and guidelines; our ability to attract and retain key employees; our ability to maintain the security of our data processing and information technology systems; and that the Company may not be successful in the implementation of its business strategy. Additionally, other risks and uncertainties are described in the Company’s Annual Report on

Form 10-K for the year ended September 30, 2025 and other reports the Company files with the SEC, which are available through the SEC’s EDGAR website located at www.sec.gov. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.  Should one or more of these risks materialize, actual results may vary from those anticipated, estimated or projected.

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Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release. Except as may be required by applicable law or regulation, the Company and the Bank assume no obligation to update any forward-looking statements.

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For more information, contact Stephen Jefferies, President and Chief Executive Officer at (315) 287-2600.

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 146.3 KB

Other Documents

• EX-101 EX-101.SCH 2.6 KB
• EX-101 EX-101.LAB 14.4 KB
• EX-101 EX-101.PRE 9.2 KB