- Gouverneur Bancorp, Inc. reported **net income of $238,000** ($0.24 per basic and diluted share) for the fourth quarter ended September 30, 2025, and **$733,000** ($0.72 per basic and diluted share) for the full fiscal year 2025, representing increases from the prior year periods.  **[1978811_6f6d8e5aa37b45e096676d4d7ad71e9a_0]** 
- Total assets increased by **$1.2 million (0.64%)** to **$198.5 million** at September 30, 2025, with net loans increasing by **$7.2 million (5.83%)** to **$131.5 million**.  **[1978811_6f6d8e5aa37b45e096676d4d7ad71e9a_0]** 
- Deposits decreased by **$5.1 million (3.20%)** to **$154.8 million** at September 30, 2025, and shareholders' equity decreased by 2.01% to **$32.1 million**, primarily due to a decrease in the market value of the securities portfolio and common stock repurchases, partially offset by net income.  **[1978811_6f6d8e5aa37b45e096676d4d7ad71e9a_1]** 
- The net interest margin for the fourth quarter ended September 30, 2025, was **4.12%**, and for the full fiscal year 2025, it was **4.08%**.  **[1978811_6f6d8e5aa37b45e096676d4d7ad71e9a_2]**  The Company also declared cumulative dividends of **$0.16 per share** for the year ended September 30, 2025.  **[1978811_6f6d8e5aa37b45e096676d4d7ad71e9a_1]**

Gouverneur Bancorp, Inc./MD/ (GOVB)