GSL Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
GSL Savings Bank is an FDIC-insured savings bank headquartered in Guttenberg, NJ, established in 1907 (FDIC certificate 28708), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $151.2M, down 7.0% from Q2 2025, the 46th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 11.90% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28708
- Headquarters
- Guttenberg, NJ
- Established
- 1907
- Total assets, Q2 2026
- $151.2M
- Assets vs Q2 2025
- -7.0%
- CET1 ratio, Q2 2026
- 11.90%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 221270525
- Asset rank in state
- 46th of 49 in New Jersey
GSL Savings Bank, based in Guttenberg, New Jersey, reported $151 million in assets at June 30, 2026, down 7.0% from a year earlier. It keeps 2.62 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 7.46% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Loans and deposits moved in opposite directions: over the year loans rose 0.9% and deposits fell 8.6%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.22% of loans from 0.46%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, GSL Savings Bank reported a CET1 capital ratio of 11.90%, a return on assets of 0.64%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 2.15%. The figures come from its call report filed with the FFIEC.
GSL Savings Bank ranks as the 46th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.4% to $151.2M, loans rose 1.9% and deposits fell 4.3%. 1-4 family residential loans made up 59.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.5%. The FDIC Summary of Deposits lists 2 offices for it, in Guttenberg, NJ and Fairview, NJ; its Guttenberg office books 78% of its branch deposits. Judged on its Q2 2026 call report, GSL Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6823 Bergenline Ave, Guttenberg, NJ 07093
- County
- Hudson
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1907
- Former names
- GSL Savings Bank, SLA (1990-1996)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $120.4M
- Allowance for credit losses
- $885K
- Net charge-offs (YTD)
- $0
- Average total assets
- $154.1M
- Average total loans
- $117.8M
- Average interest-bearing deposits
- $110.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28708
- Fed RSSD
- 564678
- Website
- www.gslsavingsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
GSL Savings Bank's total assets moved between a low of $137.6M (Q3 2023) and a high of $166.4M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$151.2M total assets against $162.5M; $139.7M total liabilities against $151.2M.
$118.9M net loans and leases against $117.8M; $120.4M total deposits against $131.8M.
$11.0M securities against $15.1M; $17.1M cash and balances due against $25.5M.
$1.9M total interest income against $1.9M; $917K total interest expense against $1.0M.
$981K net interest income against $844K.
$460K total noninterest income against $23K; $1.1M total noninterest expense against $967K.
$16K provision for credit losses against $15K.
$245K net income against -$81K.
0.64% return on assets against -0.20%; 2.62% net interest margin against 2.35%.
11.90% CET1 capital ratio against 11.49%; 7.46% tier 1 leverage ratio against 7.15%.
Inside the full GSL Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
GSL Savings Bank rankings
Its closest position to the top of a national ranking is 2,200 of 3,640, for Texas Ratio; its furthest is 3,104 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.38% (Q4 2024) to 0.64% (Q2 2026) and its net interest margin ran from 2.08% (Q3 2024) to 2.96% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.90% | 0.64% | 0.22% | 2.15% | 2.62% |
| Q1 2026 | 11.56% | -0.15% | 0.44% | 4.21% | 2.53% |
| Q4 2025 | 11.71% | -0.03% | 0.46% | 4.48% | 2.96% |
| Q3 2025 | 11.47% | -0.03% | 0.46% | 4.49% | 2.62% |
| Q2 2025 | 11.49% | -0.20% | 0.46% | 4.52% | 2.35% |
| Q1 2025 | 12.32% | -0.20% | 0.47% | 4.50% | 2.34% |
| Q4 2024 | 12.60% | -1.38% | 0.79% | 7.55% | 2.19% |
| Q3 2024 | 12.58% | -0.40% | 0.03% | 0.27% | 2.08% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| GSL Savings Bank (main office) | Guttenberg , NJ | 07093 | $93.8M |
| 215 Bergen Boulevard Branch | Fairview , NJ | 07022 | $26.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 77 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about GSL Savings Bank
What are GSL Savings Bank's total assets?
As of the Q2 2026 filing, GSL Savings Bank reported total assets of $151.2 million in its FFIEC call report.
Where is GSL Savings Bank headquartered?
It is headquartered in Guttenberg, NJ, United States.
When was GSL Savings Bank founded?
It was established in 1907, per the FDIC institution directory.
Is GSL Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates GSL Savings Bank?
GSL Savings Bank's primary federal regulator is the FDIC.
What is GSL Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.90% in its Q2 2026 call report, above regulatory requirements.
How many branches does GSL Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is GSL Savings Bank's Texas Ratio?
Its Texas Ratio is 2.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was GSL Savings Bank previously called?
The charter now named GSL Savings Bank has also operated as GSL Savings Bank, SLA (1990-1996), per FDIC structure-change records.
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