GS&L Municipal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Loans to total assets, from 0.00% to 0.00%. GS&L Municipal Bank has the 4th lowest loan-to-deposit ratio of the 105 banks headquartered in New York, at 0.00% as of Q2 2026. GS&L Municipal Bank's loan-to-deposit ratio of 0.00% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 67.62 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $0 |
| Net loans and leases | $0 |
| Loans held for sale | $0 |
| Loans to total assets | 0.00% |
| Loan-to-deposit ratio | 0.00% |
| Net loans to equity capital | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $0 |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | CRE to capital | Construction and development to capital |
|---|---|---|---|---|
| Q3 2023 | $0 | $19.2M | 0.00% | 0.00% |
| Q4 2023 | $0 | $20.4M | 0.00% | 0.00% |
| Q1 2024 | $0 | $25.6M | 0.00% | 0.00% |
| Q2 2024 | $0 | $17.4M | 0.00% | 0.00% |
| Q3 2024 | $0 | $21.4M | 0.00% | 0.00% |
| Q4 2024 | $0 | $21.0M | 0.00% | 0.00% |
| Q1 2025 | $0 | $24.2M | 0.00% | 0.00% |
| Q2 2025 | $0 | $22.9M | 0.00% | 0.00% |
| Q3 2025 | $0 | $20.0M | 0.00% | 0.00% |
| Q4 2025 | $0 | $23.7M | 0.00% | 0.00% |
| Q1 2026 | $0 | $21.5M | 0.00% | 0.00% |
| Q2 2026 | $0 | $16.0M | 0.00% | 0.00% |
GS&L Municipal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock GS&L Municipal Bank, freeSource: Call Report Schedule RC-C, 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)