Bank Safety Analysis
Is GS&L Municipal Bank Safe? Gouverneur, New York
Based on its Q2 2026 call report, GS&L Municipal Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, GS&L Municipal Bank's CET1 ratio is 92.80%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 92.80%
- Tier 1 leverage ratio (Q2 2026): 44.48%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): not reported
GS&L Municipal Bank is an FDIC-insured commercial bank (FDIC Certificate #59312). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
GS&L Municipal Bank passes all 4 safety dimensions, with capital, asset quality, and stress buffers above the concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 11.70 percentage points higher than in Q1 2026, at 92.80%. 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 19.96% median for banks in the < $100M asset tier, a gap of 72.84 points (Q2 2026). From Q3 2023 to Q2 2026, GS&L Municipal Bank's CET1 ratio ranged between 81.11% (Q1 2026) and 245.82% (Q3 2023) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, GS&L Municipal Bank's CET1 ratio rose from 83.08% to 92.80%, Texas ratio held at 0.00% and return on assets fell from 1.96% to 1.78%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 92.80% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 44.48% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 16.6% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 92.80% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 92.80% |
| Q1 2026 | 81.11% |
| Q4 2025 | 82.95% |
| Q3 2025 | 93.86% |
| Q2 2025 | 83.08% |
| Q1 2025 | 83.78% |
| Q4 2024 | 98.89% |
| Q3 2024 | 97.48% |
| Q2 2024 | 152.56% |
| Q1 2024 | 120.45% |
| Q4 2023 | 184.81% |
| Q3 2023 | 245.82% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
GS&L Municipal Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 92.80% | — | 0.00% | 1.78% |
| Mar 31, 2026 | 81.11% | — | 0.00% | 1.88% |
| Dec 31, 2025 | 82.95% | — | 0.00% | 1.98% |
| Sep 30, 2025 | 93.86% | — | 0.00% | 2.12% |
| Jun 30, 2025 | 83.08% | — | 0.00% | 1.96% |
| Mar 31, 2025 | 83.78% | — | 0.00% | 1.99% |
| Dec 31, 2024 | 98.89% | — | 0.00% | 1.74% |
| Sep 30, 2024 | 97.48% | — | 0.00% | 1.96% |
| Jun 30, 2024 | 152.56% | — | 0.00% | 2.43% |
| Mar 31, 2024 | 120.45% | — | 0.00% | 2.76% |
| Dec 31, 2023 | 184.81% | — | 0.00% | 2.43% |
| Sep 30, 2023 | 245.82% | — | 0.00% | 2.31% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is GS&L Municipal Bank FDIC insured?
Yes. GS&L Municipal Bank is an FDIC-insured commercial bank (FDIC Certificate #59312). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is GS&L Municipal Bank well capitalized?
On its Q2 2026 call report, GS&L Municipal Bank's CET1 ratio is 92.80%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are GS&L Municipal Bank's key safety ratios?
For Q2 2026, GS&L Municipal Bank reports CET1 92.80%, leverage 44.48%, Texas ratio 0.00%, noncurrent loans not reported. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if GS&L Municipal Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 59312) · FFIEC NIC profile (RSSD 5784921)
Explore: Full GS&L Municipal Bank profile · Other banks in NY · Metric glossary · How the call report works