---
schema_version: "secwatch.filing_event.v1"
accession: "0001978811-26-000003"
form_type: "8-K"
ticker: "GOVB"
cik: "0001978811"
company_name: "Gouverneur Bancorp, Inc./MD/"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:08:00.979814+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Gouverneur Bancorp Q1 net income up 79% to $287K; EPS $0.28 vs $0.15

## Summary
- Net income $287K ($0.28 basic EPS) vs $160K ($0.15) year ago.
- Total assets $201.9M, up 1.7% from Sept. 30, 2025; deposits rose $3.7M to $158.5M.
- Net interest margin improved to 4.06% from 3.99% YoY; $13K provision for credit losses.
- Non-interest income increased $101K including $103K bank-owned life insurance death benefit.
- Book value $30.69 per share; declared $0.09/share dividend.

## SEC filing metadata
- accession: 0001978811-26-000003
- form_type: 8-K
- ticker: GOVB
- cik: 0001978811
- company_name: Gouverneur Bancorp, Inc./MD/
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000003/0001978811-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000003/tmb-20260127x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001978811-26-000003
- JSON: https://secwatch.observer/filing/0001978811-26-000003.json
- Plain text: https://secwatch.observer/filing/0001978811-26-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.