BanksGSL SAVINGS BANK

GSL SAVINGS BANK

GUTTENBERG, NJSmallEst. Jan. 1, 1907, midnightFDIC #28708RSSD #564678FDIC
Latest · 2025-12-31

GSL SAVINGS BANK is an 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%. CET1 capital ratio: 11.71%, well above regulatory minimums. NPL ratio: 0.43% · Texas Ratio: 4.20%. Operates 2 domestic branches.

Assets
$149M
Deposits
$118M
Loans
$118M
Equity
$11M

Profitability

Return on Assets (ROA)-0.03%
Return on Equity (ROE)-0.39%
Net Interest Margin2.76%
Yield on Assets5.47%
Cost of Funds2.71%

Asset Quality

NPL Ratio0.43%
Net Charge-Off Ratio0.00%
Texas Ratio4.20%
NPA Ratio0.34%
ACL / Loans0.72%

Capital & Liquidity

CET1 Ratio11.71%
Tier 1 Capital11.71%
Total Capital Ratio12.62%
Leverage Ratio7.36%
Loan-to-Deposit100.13%

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