GS&L Municipal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 7.44 percentage points lower than in Q1 2026, at 50.63%. Within New York, GS&L Municipal Bank is 13th of 105 on return on assets, 1.78% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, GS&L Municipal Bank reported 1.78% on return on assets in Q2 2026, 0.80 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 92.80% |
| Tier 1 risk-based capital ratio | 92.80% |
| Total risk-based capital ratio | 92.80% |
| Tier 1 leverage ratio | 44.48% |
| Equity capital to assets | 47.35% |
| Tangible equity to tangible assets | 47.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 4.04% |
| Net interest margin | 5.05% |
| Efficiency ratio | 16.59% |
| Yield on earning assets | 5.76% |
| Cost of funds | 0.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 91.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 50.63% |
| Securities to assets | 50.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 245.82% | 245.82% | 245.82% | 37.44% | 2.31% |
| Q4 2023 | 184.81% | 184.81% | 184.81% | 39.15% | 2.43% |
| Q1 2024 | 120.45% | 120.45% | 120.45% | 39.77% | 2.76% |
| Q2 2024 | 152.56% | 152.56% | 152.56% | 46.22% | 2.43% |
| Q3 2024 | 97.48% | 97.48% | 97.48% | 40.22% | 1.96% |
| Q4 2024 | 98.89% | 98.89% | 98.89% | 39.35% | 1.74% |
| Q1 2025 | 83.78% | 83.78% | 83.78% | 36.99% | 1.99% |
| Q2 2025 | 83.08% | 83.08% | 83.08% | 37.15% | 1.96% |
| Q3 2025 | 93.86% | 93.86% | 93.86% | 39.98% | 2.12% |
| Q4 2025 | 82.95% | 82.95% | 82.95% | 39.32% | 1.98% |
| Q1 2026 | 81.11% | 81.11% | 81.11% | 38.70% | 1.88% |
| Q2 2026 | 92.80% | 92.80% | 92.80% | 44.48% | 1.78% |
GS&L Municipal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock GS&L Municipal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)