GSL Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 6.04 percentage points in Q2 2026, from 93.40% to 99.44%. It was the largest change from Q1 2026 among the key lines here. GSL Savings Bank ranks 19th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 99.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. GSL Savings Bank sits 18.60 points higher, at 99.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $119.7M |
| Net loans and leases | $118.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.20% |
| Loan-to-deposit ratio | 99.44% |
| Net loans to equity capital | 10.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.41% |
| Multifamily (5+ residential) | 10.51% |
| Commercial and industrial | 5.24% |
| Consumer | 3.41% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.02% |
| Construction concentration (Tier 1 capital + allowance) | 2.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $100.1M | $115.0M | 21.76% | 3.67% | 0.00% |
| Q4 2023 | $103.4M | $129.0M | 23.17% | 3.35% | 0.00% |
| Q1 2024 | $115.8M | $136.5M | 25.68% | 5.26% | 0.00% |
| Q2 2024 | $117.6M | $137.2M | 24.19% | 4.79% | 0.00% |
| Q3 2024 | $117.0M | $139.3M | 23.99% | 4.60% | 0.00% |
| Q4 2024 | $115.7M | $124.1M | 20.86% | 4.29% | 0.00% |
| Q1 2025 | $115.1M | $130.3M | 20.82% | 4.12% | 0.00% |
| Q2 2025 | $118.7M | $131.8M | 20.15% | 7.18% | 0.00% |
| Q3 2025 | $119.2M | $126.1M | 19.86% | 6.52% | 0.00% |
| Q4 2025 | $118.4M | $118.3M | 20.14% | 6.16% | 2.20% |
| Q1 2026 | $117.5M | $125.8M | 20.11% | 5.85% | 3.35% |
| Q2 2026 | $119.7M | $120.4M | 21.41% | 5.24% | 3.41% |
GSL Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock GSL Savings Bank, freeSource: Call Report Schedule RC-C, 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)