Side-by-side · Q2 2026 data
The First National Bank of Groton vs Gouverneur Savings and Loan Association
Metric by metric
| Measure | The First National Bank of Groton | Gouverneur Savings and Loan Association |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 96 (stronger) | 95 |
| Loan quality | 46 | 67 (stronger) |
| Earnings | 72 (stronger) | 45 |
| Funding & liquidity | 97 (stronger) | 74 |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 72nd | 57th |
| Total assets | $203.9M | $198.9M |
| Deposits / shares | $175.1M | $157.6M |
| Capital ratio | 14.58% (stronger) | 14.53% |
| Problem loans | 1.62% | 1.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.30% (stronger) | 0.62% |
| Loans ÷ deposits | 59.7% (stronger) | 85.8% |
| Uninsured deposits | 17.9% | 13.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 19.9% |
The First National Bank of Groton has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton 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.