$37.1M
−4.3%y/y
Percentile by value0th percentileby value
FDIC
ASSETGM
GS&L Municipal Bank
Gouverneur, New YorkFDIC Cert #59312
STATEEstablished 20224 branches
Holding company: GOUVERNEUR BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportGS&L Municipal Bank reported $37.1M in total assets. Deposits declined 11.24% over the prior year.
Return on assets was 1.90%, compared with the official FFIEC UBPR peer median of 0.34%. The leverage ratio was 38.70%.
- Why is Tier 1 Leverage Ratio above its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Deposit Growth, Year over Year below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$21.5M
−11.2%y/y
Percentile by value0th percentileby value
FDIC
DEP$0
Percentile by value0th percentileby value
FDIC
LNLSNET1.90%
−17 bpsy/y
Peer standing100th percentile
FDIC
NETINC + ROA12.80%
+106 bpsy/y
Peer standing100th percentile
FDIC
NONIX + NIM + NONII + EEFFR38.70%
+171 bpsy/y
Peer standing100th percentile
FDIC
RBC1AAJPercentiles compare this bank with 14 ffiec ubpr peer group 2022 — denovo banks opened in 2022 having assets less than $750 million.
Side-by-side comparison
GS&L Municipal Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.90%
Registry median
0.34%
This bank
4.87%
FFIEC trimmed average
0.54%
This bank
4.64%
Registry median
4.05%
This bank
12.80%
Registry median
82.52%
This bank
−11.24%
FFIEC trimmed average
+44.64%
This bank
FFIEC trimmed average
+45.02%
This bank
FFIEC trimmed average
0.56%
This bank
38.70%
FFIEC trimmed average
14.86%
This bank
0.67%
Registry median
3.47%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.90%
Registry median
0.97%
This bank
4.87%
FFIEC trimmed average
8.26%
This bank
4.64%
Registry median
3.45%
This bank
12.80%
Registry median
67.19%
This bank
−11.24%
FFIEC trimmed average
+4.42%
This bank
FFIEC trimmed average
+6.01%
This bank
FFIEC trimmed average
0.91%
This bank
38.70%
FFIEC trimmed average
12.13%
This bank
0.67%
Registry median
2.57%
This bank
0%
Registry median
190%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q3 2022 | $35M | $22.8M |
| Q4 2022 | $34.2M | $21.9M |
| Q1 2023 | $34.5M | $20.6M |
| Q2 2023 | $34.4M | $19M |
| Q3 2023 | $34.2M | $19.2M |
| Q4 2023 | $33.9M | $20.4M |
| Q1 2024 | $39.2M | $25.6M |
| Q2 2024 | $31.1M | $17.4M |
| Q3 2024 | $35.8M | $21.4M |
| Q4 2024 | $35.1M | $21M |
| Q1 2025 | $38.7M | $24.2M |
| Q2 2025 | $37.6M | $22.9M |
| Q3 2025 | $35.1M | $20M |
| Q4 2025 | $39M | $23.7M |
| Q1 2026 | $37.1M | $21.5M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $0 |
| C&I | $0 |
| Agriculture | $0 |
| Other | $0 |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.90%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.89%Median 0.34%90th 1.63%Observations 14
ROE
FDIC
NETINC + ROE4.87%73rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −8.72%Median 2.66%90th 10.00%Observations 14
NIM
FDIC
NIM + NIMY4.64%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 4.05%90th 4.55%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR12.80%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.94%Median 82.52%90th 111.14%Observations 14
Deposits YoY
FDIC
DEP−11.24%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +5.38%Median +38.89%90th +94.11%Observations 14
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +14.54%Median +41.96%90th +76.42%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.00%90th 1.84%Observations 13
Leverage
FDIC
RBC1AAJ38.70%93rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.36%Median 12.80%90th 22.62%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.67%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.22%Median 3.47%90th 3.99%Observations 14
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.90%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.97%90th 1.81%Observations 81
ROE
FDIC
NETINC + ROE4.87%29th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.03%Median 7.77%90th 15.60%Observations 81
NIM
FDIC
NIM + NIMY4.64%96th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.16%Median 3.45%90th 4.47%Observations 81
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR12.80%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.31%Median 67.19%90th 92.63%Observations 81
Deposits YoY
FDIC
DEP−11.24%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.15%Median +3.16%90th +16.36%Observations 81
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.07%Median +3.07%90th +22.04%Observations 77
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.79%90th 2.50%Observations 77
Leverage
FDIC
RBC1AAJ38.70%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.72%90th 22.33%Observations 81
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.67%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.12%Median 2.57%90th 4.33%Observations 80
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 190%90th 368%Observations 63
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Gouverneur, NY
FDIC
OFFDOMOpen the New York dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data