GS&L Municipal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks GS&L Municipal Bank of Gouverneur, NY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.78% | 3.14% | -1.36% | 77th top |
| ROAE | 4.04% | 10.42% | -6.38% | 29th below |
| Net Interest Margin | 5.05% | 3.93% | +1.12% | 88th top |
| Efficiency Ratio | 16.59% | 76.35% | -59.76% | 99th top |
| PPNR / Avg Assets | 2.15% | 1.40% | +0.75% | 83rd top |
| Yield on Earning Assets | 5.76% | 5.35% | +0.41% | 69th above |
| Cost of Funds | 0.73% | 1.71% | -0.98% | 90th top |
| Net Interest Spread | 5.06% | 3.31% | +1.75% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 92.80% | 61.80% | +31.00% | 85th top |
| Tier 1 Ratio | 92.80% | 61.81% | +30.99% | 85th top |
| Total Capital Ratio | 92.80% | 62.78% | +30.02% | 85th top |
| Leverage Ratio | 44.48% | 17.58% | +26.90% | 89th top |
| Equity / Assets | 47.35% | 16.40% | +30.95% | 89th top |
| TCE / Tangible Assets | 47.35% | 16.15% | +31.20% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 72.89% | -72.89% | 98th top |
| Core Deposit Ratio | 91.42% | 88.21% | +3.21% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -15.93% | 4.32% | -20.25% | 2nd bottom |
| Deposit Growth (Y/Y) | -30.11% | 3.80% | -33.91% | 1st bottom |
See GS&L Municipal Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock GS&L Municipal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full GS&L Municipal Bank profile, how to read a UBPR, or how this data updates.