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Gouverneur Bancorp, Inc. is a savings and loan holding company overseeing Gouverneur Savings and Loan Association, a community bank serving rural New York counties. The bank originates residential, commercial, construction, and consumer loans, primarily secured by local properties. It offers retail deposits, manages interest rate risk through derivatives, and operates a municipal bank subsidiary to attract local government deposits, competing in a highly regulated, local market.
This description was generated via AI from an annual report. Updated about 1 year ago.