Gouverneur Bancorp Q4 net income $238K, up 75% YoY; full-year EPS $0.72

Gouverneur Bancorp, Inc./MD/

2025-FY EPS reported $0.72

Q4 net income $238K ($0.24 EPS) vs $136K ($0.13 EPS) YoY; full-year net income $733K ($0.72 EPS) vs $539K ($0.51 EPS).
Net interest margin improved to 4.12% for Q4 from 4.04% a year ago; full-year NIM 4.08% vs 4.03%.
Total assets $198.5M, up 0.64% YoY; net loans increased 5.83% to $131.5M; deposits decreased 3.2% to $154.8M.
Company entered change in control agreements with CEO, CFO, COO providing 2x salary/bonus upon termination after change in control.

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