BanksGS&L MUNICIPAL BANK

GS&L MUNICIPAL BANK

GOUVERNEUR, NYMicroEst. Sept. 16, 2022, midnightFDIC #59312RSSD #5784921FDIC
Latest · 2025-12-31

GS&L MUNICIPAL BANK is an 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%. CET1 capital ratio: 82.95%, well above regulatory minimums. Operates 4 domestic branches.

Assets
$39M
Deposits
$24M
Loans
$0
Equity
$15M

Profitability

Return on Assets (ROA)2.01%
Return on Equity (ROE)5.07%
Net Interest Margin3.03%
Yield on Assets3.44%
Cost of Funds0.64%

Asset Quality

NPL Ratio--
Net Charge-Off Ratio--
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans--

Capital & Liquidity

CET1 Ratio82.95%
Tier 1 Capital82.95%
Total Capital Ratio82.95%
Leverage Ratio39.32%
Loan-to-Deposit0.00%

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