GS&L Municipal Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
GS&L Municipal Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, GS&L Municipal reported $32M in total assets against $16M in deposits. Returns are notably above industry norms: 1.78% ROA, 4.04% ROE, and 5.05% NIM. A CET1 ratio of 92.80% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. 4 branches make up the footprint.
As of June 30, 2026, GS&L Municipal Bank reported a CET1 capital ratio of 92.80%, a return on assets of 1.78%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 42 Church St, Gouverneur, NY 13642
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 16, 2022
- Offices
- 4 domestic
- Domestic deposits
- $16.0M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 16, 2022
- FDIC Cert
- 59312
- Fed RSSD
- 5784921
- SEC CIK
- 1978811 → filed by GOUVERNEUR BANCORP, INC.
- Parent Holding Company
- GOUVERNEUR SAVINGS AND LOAN ASSOCIATION (RSSD 905673)
- Ultimate Parent
- GOUVERNEUR BANCORP, INC. (RSSD 2801014)
Profitability
Asset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 92.80% | 1.78% | — | 0.00% | 5.05% |
| Q1 2026 | 81.11% | 1.88% | — | 0.00% | 4.89% |
| Q4 2025 | 82.95% | 1.98% | — | 0.00% | 4.86% |
| Q3 2025 | 93.86% | 2.12% | — | 0.00% | 4.71% |
| Q2 2025 | 83.08% | 1.96% | — | 0.00% | 4.65% |
| Q1 2025 | 83.78% | 1.99% | — | 0.00% | 4.52% |
| Q4 2024 | 98.89% | 1.74% | — | 0.00% | 3.62% |
| Q3 2024 | 97.48% | 1.96% | — | 0.00% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Alexandria Bay Branch | Alexandria Bay , NY | 13607 | $9.3M |
| Cape Vincent Branch | Cape Vincent , NY | 13618 | $3.7M |
| Chaumont Branch | Chaumont , NY | 13622 | $3.0M |
| GS&L Municipal Bank (main office) | Gouverneur , NY | 13642 | $71K |
Regulatory record
What the public regulatory sources show for GS&L Municipal Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 172 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about GS&L Municipal Bank
What are GS&L Municipal Bank's total assets?
As of the Q2 2026 filing, GS&L Municipal Bank reported total assets of $31.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is GS&L Municipal Bank headquartered?
GS&L Municipal Bank is headquartered in Gouverneur, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was GS&L Municipal Bank founded?
GS&L Municipal Bank was established in 2022, per the FDIC institution directory.
Is GS&L Municipal Bank FDIC-insured?
Yes. GS&L Municipal Bank is an FDIC-insured commercial bank (FDIC Certificate #59312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates GS&L Municipal Bank?
GS&L Municipal Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is GS&L Municipal Bank's CET1 capital ratio?
GS&L Municipal Bank reported a Common Equity Tier 1 (CET1) capital ratio of 92.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does GS&L Municipal Bank operate?
GS&L Municipal Bank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is GS&L Municipal Bank's Texas Ratio?
GS&L Municipal Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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