GS&L MUNICIPAL BANK

GOUVERNEUR, NY | Micro | Est. Sept. 16, 2022, midnight | FDIC #59312 | RSSD #5784921 | FDIC
Latest Report: 2025-12-31

GS&L MUNICIPAL BANK is amn micro FDIC-insured commercial bank headquartered in GOUVERNEUR, NY, established in Sept. 16, 2022, midnight. As of 2025-12-31, the bank reported total assets of $39M and total deposits of $24M. Profitability stands at 2.01% ROA and 5.07% ROE, with a net interest margin of 3.03%. The bank's CET1 capital ratio is 82.95%, well above the regulatory minimum. FDIC Certificate #59312.

Assets

$39M

Deposits

$24M

Loans

$0

Equity

$15M

Profitability

Return on Assets (ROA) 2.01%
Return on Equity (ROE) 5.07%
Net Interest Margin (NIM) 3.03%
Yield on Assets 3.44%
Cost of Funds 0.65%

Asset Quality

NPL Ratio --
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans --

Capital & Liquidity

CET1 Ratio 82.95%
Tier 1 Capital 82.95%
Total Capital Ratio 82.95%
Leverage Ratio 39.32%
Loan-to-Deposit 0.00%

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