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BDI
GM

GS&L Municipal Bank

Gouverneur, New YorkFDIC Cert #59312

STATEEstablished 20224 branches

Holding company: GOUVERNEUR BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
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

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$37.1M
−4.3%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICASSET
Deposits
$21.5M
−11.2%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICDEP
Gross loans
$0
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICLNLSGR
Net loans
$0
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICLNLSNET
Securities
$19.6M
−14.6%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICSC
Cash
$2.62M
−17.9%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICCHBAL
Liabilities
$22.1M
−10.4%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICLIAB
Equity
$14.9M
+6.5%y/y
Peer standing23rd percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$250K
−5.3%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNIM + NONII
NII
$250K
−5.3%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNIM
Noninterest income
$0
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNONII
Provision
$0
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICELNATR
Pretax income
$218K
−6.4%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICPTAXNETINC
Net income
$181K
−5.2%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNETINC