GSL Savings 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 Reserve coverage of non-performing loans: 162.12 percentage points higher than in Q1 2026, at 331.46%. GSL Savings Bank ranks 27th of 49 New Jersey banks on return on assets, in the lower half at 0.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. GSL Savings Bank sits 0.62 points lower, at 0.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.90% |
| Tier 1 risk-based capital ratio | 11.90% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 7.46% |
| Equity capital to assets | 7.63% |
| Tangible equity to tangible assets | 7.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.15% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 331.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 8.59% |
| Net interest margin | 2.62% |
| Efficiency ratio | 75.16% |
| Yield on earning assets | 5.07% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.44% |
| Core deposits to total deposits | 90.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.64% |
| Securities to assets | 7.27% |
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 | 15.11% | 15.11% | 16.08% | 9.18% | 0.15% |
| Q4 2023 | 14.62% | 14.62% | 15.49% | 8.45% | 0.18% |
| Q1 2024 | 12.96% | 12.96% | 13.76% | 8.00% | -0.62% |
| Q2 2024 | 12.80% | 12.80% | 13.61% | 7.74% | -0.22% |
| Q3 2024 | 12.58% | 12.58% | 13.38% | 7.63% | -0.40% |
| Q4 2024 | 12.60% | 12.60% | 13.47% | 7.20% | -1.38% |
| Q1 2025 | 12.32% | 12.32% | 13.19% | 7.38% | -0.20% |
| Q2 2025 | 11.49% | 11.49% | 12.34% | 7.15% | -0.20% |
| Q3 2025 | 11.47% | 11.47% | 12.34% | 7.11% | -0.03% |
| Q4 2025 | 11.71% | 11.71% | 12.62% | 7.36% | -0.03% |
| Q1 2026 | 11.56% | 11.56% | 12.48% | 7.43% | -0.15% |
| Q2 2026 | 11.90% | 11.90% | 12.83% | 7.46% | 0.64% |
GSL Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock GSL Savings 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 GSL Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28708) · FFIEC NIC profile (RSSD 564678)