Description of Gouverneur Bancorp/md/'s Business Segments

The company's reportable segments are determined by the Chief Executive Officer, who serves as the chief operating decision maker (CODM), based on information about the company's products and services. The company's operations are primarily in the community banking industry, offering retail and commercial banking services. Segments are identified according to the level of information provided to the CODM, who evaluates performance by analyzing revenue streams, significant expenses, and budget-to-actual results. The CODM benchmarks the company against competitors using consolidated net income and assesses performance using financial data from the consolidated statements of financial condition and earnings.

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