---
schema_version: "secwatch.filing_event.v1"
accession: "0001978811-26-000008"
form_type: "8-K"
ticker: "GOVB"
cik: "0001978811"
company_name: "Gouverneur Bancorp, Inc./MD/"
filed_at: "2026-07-30T17:28:33+00:00"
generated_at: "2026-07-30T17:29:22.258858+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Gouverneur Bancorp Q3 net income up 10% YoY; announces $23.8M securities sale and $20M loan sale

## Summary
- Net income $239k ($0.23 EPS) for Q3 June 30, 2026, up from $217k ($0.22 EPS) YoY.
- Nine-month net income $743k ($0.72 EPS) vs $495k ($0.48 EPS) prior year.
- Sold $23.8M of AFS securities at 3.62% yield, recognizing ~$2.0M pre-tax loss; reinvested $11.6M into shorter-duration securities at 5.01% yield.
- Planning to sell ~$20M of lower-yielding loans at ~3.70% yield, expected pre-tax loss ~$2.0M; proceeds to fund higher-yielding loan growth.
- Strategy expected to increase net interest margin by ~51 bps and annual EPS by ~$0.58 once fully deployed, with earn-back period of ~5 years.

## SEC filing metadata
- accession: 0001978811-26-000008
- form_type: 8-K
- ticker: GOVB
- cik: 0001978811
- company_name: Gouverneur Bancorp, Inc./MD/
- filed_at: 2026-07-30T17:28:33+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000008/0001978811-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1978811/000197881126000008/tmb-20260729x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001978811-26-000008
- JSON: https://secwatch.observer/filing/0001978811-26-000008.json
- Plain text: https://secwatch.observer/filing/0001978811-26-000008.txt

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