GSL SAVINGS BANK

GUTTENBERG, NJ | Small | Est. Jan. 1, 1907, midnight | FDIC #28708 | RSSD #564678 | FDIC
Latest Report: 2025-12-31

GSL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in GUTTENBERG, NJ, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $149M and total deposits of $118M. Profitability stands at -0.03% ROA and -0.39% ROE, with a net interest margin of 2.76%. The bank's CET1 capital ratio is 11.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 4.20%. FDIC Certificate #28708.

Assets

$149M

Deposits

$118M

Loans

$118M

Equity

$11M

Profitability

Return on Assets (ROA) -0.03%
Return on Equity (ROE) -0.39%
Net Interest Margin (NIM) 2.76%
Yield on Assets 5.47%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio --
Texas Ratio 4.20%
NPA Ratio 0.34%
ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 11.71%
Tier 1 Capital 11.71%
Total Capital Ratio 12.62%
Leverage Ratio 7.36%
Loan-to-Deposit 100.13%

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