GSL Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.41 percentage points in Q2 2026 to 7.63%, the biggest move on this page. GSL Savings Bank ranks 33rd of 37 New Jersey banks on CET1 ratio, in the lower half at 11.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. GSL Savings Bank sits 3.17 points lower, at 11.90% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.90% |
| Tier 1 risk-based capital ratio | 11.90% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 7.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $11.5M |
| Tier 1 capital | $11.5M |
| Total risk-based capital | $12.4M |
| Total equity capital | $11.5M |
| Risk-weighted assets | $96.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.63% |
| Tangible equity to tangible assets | 7.63% |
| Equity capital to average assets | 7.49% |
| Internal capital growth rate | 8.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $11.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$307K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.11% | 15.11% | 16.08% | 9.18% | $83.0M |
| Q4 2023 | 14.62% | 14.62% | 15.49% | 8.45% | $86.2M |
| Q1 2024 | 12.96% | 12.96% | 13.76% | 8.00% | $95.1M |
| Q2 2024 | 12.80% | 12.80% | 13.61% | 7.74% | $96.0M |
| Q3 2024 | 12.58% | 12.58% | 13.38% | 7.63% | $98.3M |
| Q4 2024 | 12.60% | 12.60% | 13.47% | 7.20% | $93.4M |
| Q1 2025 | 12.32% | 12.32% | 13.19% | 7.38% | $94.1M |
| Q2 2025 | 11.49% | 11.49% | 12.34% | 7.15% | $98.4M |
| Q3 2025 | 11.47% | 11.47% | 12.34% | 7.11% | $97.9M |
| Q4 2025 | 11.71% | 11.71% | 12.62% | 7.36% | $95.7M |
| Q1 2026 | 11.56% | 11.56% | 12.48% | 7.43% | $96.3M |
| Q2 2026 | 11.90% | 11.90% | 12.83% | 7.46% | $96.4M |
GSL Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock GSL Savings Bank, freeSource: Call Report Schedule RC-R, 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 GSL Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28708) · FFIEC NIC profile (RSSD 564678)