GSL Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks GSL Savings Bank of Guttenberg, NJ against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.34% | -0.70% | 17th bottom |
| ROAE | 8.59% | 13.31% | -4.72% | 28th below |
| Net Interest Margin | 2.62% | 3.93% | -1.31% | 4th bottom |
| Efficiency Ratio | 75.16% | 61.14% | +14.02% | 19th bottom |
| PPNR / Avg Assets | 0.93% | 1.68% | -0.75% | 18th bottom |
| Yield on Earning Assets | 5.07% | 5.67% | -0.60% | 26th below |
| Cost of Funds | 2.69% | 1.88% | +0.81% | 11th bottom |
| Net Interest Spread | 2.34% | 3.32% | -0.98% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 62nd above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 62nd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.74% | 1.28% | -0.54% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 331.46% | 1538.87% | -1207.41% | 62nd above |
| Texas Ratio | 2.15% | 7.33% | -5.18% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.90% | 19.50% | -7.60% | 17th bottom |
| Tier 1 Ratio | 11.90% | 19.54% | -7.64% | 16th bottom |
| Total Capital Ratio | 12.83% | 20.62% | -7.79% | 15th bottom |
| Leverage Ratio | 7.46% | 12.14% | -4.68% | 1st bottom |
| Equity / Assets | 7.63% | 11.37% | -3.74% | 10th bottom |
| TCE / Tangible Assets | 7.63% | 11.09% | -3.46% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.44% | 80.63% | +18.81% | 12th bottom |
| Core Deposit Ratio | 90.62% | 86.86% | +3.76% | 58th above |
| Wholesale Funding Ratio | 12.29% | 5.03% | +7.26% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.95% | 6.85% | -13.80% | 3rd bottom |
| Loan Growth (Y/Y) | 0.92% | 7.90% | -6.98% | 26th below |
| Deposit Growth (Y/Y) | -8.61% | 6.29% | -14.90% | 3rd bottom |
See GSL Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock GSL Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full GSL Savings Bank profile, how to read a UBPR, or how this data updates.