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  <xsd:element name="GainLossOnDeferredFeesPlanNonInterestExpense" id="govb_GainLossOnDeferredFeesPlanNonInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancialAssetAcquiredMember" id="govb_FinancialAssetAcquiredMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansAndLeasesReceivableCreditPerformanceModifiedTerm" id="govb_LoansAndLeasesReceivableCreditPerformanceModifiedTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherConsumerLoanMember" id="govb_OtherConsumerLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ImpairedLoansMeasurementInput" id="govb_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AvailableForSaleSecuritiesAccumulatedOtherComprehensiveIncomeLossBeforeTax" id="govb_AvailableForSaleSecuritiesAccumulatedOtherComprehensiveIncomeLossBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NotesReceivableTerm" id="govb_NotesReceivableTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NotesReceivableAmortizationTerm" id="govb_NotesReceivableAmortizationTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GouverneurSavingsAndLoanAssociationMember" id="govb_GouverneurSavingsAndLoanAssociationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivablesPeriodPastDueAxisAxis" id="govb_FinancingReceivablesPeriodPastDueAxisAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivablesPeriodPastDueAxisDomain" id="govb_FinancingReceivablesPeriodPastDueAxisDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModifiedInterestRate" id="govb_FinancingReceivableModifiedInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopLoanReceivable" id="govb_EmployeeStockOwnershipPlanEsopLoanReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AllowanceForCreditLossesAvailableForSaleSecuritiesPolicyTextBlock" id="govb_AllowanceForCreditLossesAvailableForSaleSecuritiesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" id="govb_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableUnamortizedPurchaseDiscountOnAcquiredLoans" id="govb_FinancingReceivableUnamortizedPurchaseDiscountOnAcquiredLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestTransferInOutAllowanceForCreditLossExpense" id="govb_FinancingReceivableExcludingAccruedInterestTransferInOutAllowanceForCreditLossExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" id="govb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" id="govb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfBalanceAndActivityInAllowanceForCreditLossesForUnfundedLoanCommitmentsTableTextBlock" id="govb_ScheduleOfBalanceAndActivityInAllowanceForCreditLossesForUnfundedLoanCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfAccruedInterestReceivableWrittenOffTableTextBlock" id="govb_ScheduleOfAccruedInterestReceivableWrittenOffTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="UnearnedCommonStockHeldByEmployeeStockOwnershipPlanUnallocatedShares" id="govb_UnearnedCommonStockHeldByEmployeeStockOwnershipPlanUnallocatedShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="StandbyLettersOfCreditCommitmentAmount" id="govb_StandbyLettersOfCreditCommitmentAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncreaseDecreaseInAccruedInterestPayableAndOtherOperatingLiabilities" id="govb_IncreaseDecreaseInAccruedInterestPayableAndOtherOperatingLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EarningsOnSecondaryMarketPrograms" id="govb_EarningsOnSecondaryMarketPrograms" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AllowanceForCreditLossUnfundedCommitments" id="govb_AllowanceForCreditLossUnfundedCommitments" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RevenueFromSaleOfAvailableForSaleInvestments" id="govb_RevenueFromSaleOfAvailableForSaleInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ForeclosedRealEstateExpenseNet" id="govb_ForeclosedRealEstateExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BankCharges" id="govb_BankCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfOperatingLeaseActivityTableTextBlock" id="govb_ScheduleOfOperatingLeaseActivityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BranchOfficeFacilityAndLendingOfficeFacilityMember" id="govb_BranchOfficeFacilityAndLendingOfficeFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValueAdjustmentOfLoansReceivable" id="govb_FairValueAdjustmentOfLoansReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansAndLeasesReceivableAllowancesForLoanLossesPolicyPolicyTextBlock" id="govb_LoansAndLeasesReceivableAllowancesForLoanLossesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfLoans" id="govb_NumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForCreditLossCollateralFairValue" id="govb_FinancingReceivableIndividuallyEvaluatedForCreditLossCollateralFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="O2025H1DividendsMember" id="govb_O2025H1DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2025H2DividendsMember" id="govb_O2025H2DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedFairValueDisclosure" id="govb_FinancingReceivableIndividuallyEvaluatedFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CommercialConstructionLoansMember" id="govb_CommercialConstructionLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ResidentialConstructionLoansMember" id="govb_ResidentialConstructionLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancialAssetLoanMember" id="govb_FinancialAssetLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialRealEstateLoanMember" id="govb_CommercialRealEstateLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GainLossOnLifeInsuranceDeathBenefit" id="govb_GainLossOnLifeInsuranceDeathBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="O2026H1DividendsMember" id="govb_O2026H1DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" id="govb_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AmortizationOfOtherIntangibleAssets" id="govb_AmortizationOfOtherIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisclosureTextBlockTable" id="govb_DisclosureTextBlockTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DisclosureTextBlockLineItems" id="govb_DisclosureTextBlockLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProvisionForCreditLossesOnUnfundedCommitmentsExpensed" id="govb_ProvisionForCreditLossesOnUnfundedCommitmentsExpensed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AvailableForSaleSecuritiesAccumulatedOtherComprehensiveIncomeLossDeferredTax" id="govb_AvailableForSaleSecuritiesAccumulatedOtherComprehensiveIncomeLossDeferredTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossDeferredTax" id="govb_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossDeferredTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CollectivelyEvaluatedLoansPolicyPolicyTextBlock" id="govb_CollectivelyEvaluatedLoansPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IndividuallyEvaluatedLoansPolicyPolicyTextBlock" id="govb_IndividuallyEvaluatedLoansPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="QualitativeAdjustmentsToHistoricalLossRatesPolicyPolicyTextBlock" id="govb_QualitativeAdjustmentsToHistoricalLossRatesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfAvailableForSaleDebtSecuritiesSold" id="govb_NumberOfAvailableForSaleDebtSecuritiesSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="NumberOfAvailableForSaleDebtSecuritiesPurchased" id="govb_NumberOfAvailableForSaleDebtSecuritiesPurchased" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="O2026H2DividendsMember" id="govb_O2026H2DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestAmountSold" id="govb_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAmountSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
