Side-by-side · Q2 2026 data
The First National Bank of Dryden vs Gouverneur Savings and Loan Association
Metric by metric
| Measure | The First National Bank of Dryden | Gouverneur Savings and Loan Association |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 85 | 95 (stronger) |
| Loan quality | 69 (stronger) | 67 |
| Earnings | 79 (stronger) | 45 |
| Funding & liquidity | 82 (stronger) | 74 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 77th | 57th |
| Total assets | $203.9M | $198.9M |
| Deposits / shares | $179.6M | $157.6M |
| Capital ratio | 13.55% | 14.53% (stronger) |
| Problem loans | 0.93% (stronger) | 1.00% |
| Net charge-offs | 0.59% | 0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 0.62% |
| Loans ÷ deposits | 56.0% (stronger) | 85.8% |
| Uninsured deposits | 31.6% | 13.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.9% |
The First National Bank of Dryden has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Dryden leads on 4 and Gouverneur Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.