| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Gouverneur Savings and Loan AssociationGouverneur | NY | $198.9M | $157.6M | -2.8% | +7.4% | 0.62% | 81.0% | 4.32% | 14.27% |
| GS&L Municipal BankGouverneur | NY | $31.6M | $16.0M | -30.1% | — | 1.85% | 14.9% | 4.72% | 47.70% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Gouverneur Savings and Loan Association.