GS&L Municipal Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 7.05 percentage points higher than in Q1 2026, at 47.35%. Among 82 New York banks, GS&L Municipal Bank sits 4th from the top on CET1 ratio, 92.80% as of Q2 2026. GS&L Municipal Bank's CET1 ratio of 92.80% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 73.24 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 92.80% |
| Tier 1 risk-based capital ratio | 92.80% |
| Total risk-based capital ratio | 92.80% |
| Tier 1 leverage ratio | 44.48% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $15.1M |
| Tier 1 capital | $15.1M |
| Total risk-based capital | $15.1M |
| Total equity capital | $15.0M |
| Risk-weighted assets | $16.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 47.35% |
| Tangible equity to tangible assets | 47.35% |
| Equity capital to average assets | 44.15% |
| Internal capital growth rate | 4.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $11.1M |
| Retained earnings | $3.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$112K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 245.82% | 245.82% | 245.82% | 37.44% | $5.3M |
| Q4 2023 | 184.81% | 184.81% | 184.81% | 39.15% | $7.2M |
| Q1 2024 | 120.45% | 120.45% | 120.45% | 39.77% | $11.2M |
| Q2 2024 | 152.56% | 152.56% | 152.56% | 46.22% | $9.0M |
| Q3 2024 | 97.48% | 97.48% | 97.48% | 40.22% | $14.2M |
| Q4 2024 | 98.89% | 98.89% | 98.89% | 39.35% | $14.2M |
| Q1 2025 | 83.78% | 83.78% | 83.78% | 36.99% | $16.9M |
| Q2 2025 | 83.08% | 83.08% | 83.08% | 37.15% | $17.3M |
| Q3 2025 | 93.86% | 93.86% | 93.86% | 39.98% | $15.5M |
| Q4 2025 | 82.95% | 82.95% | 82.95% | 39.32% | $17.8M |
| Q1 2026 | 81.11% | 81.11% | 81.11% | 38.70% | $18.4M |
| Q2 2026 | 92.80% | 92.80% | 92.80% | 44.48% | $16.3M |
GS&L Municipal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock GS&L Municipal Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full GS&L Municipal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59312) · FFIEC NIC profile (RSSD 5784921)