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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

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$0
Investor CRE$0
Multifamily$0
Construction$0
1–4 family$0
C&I$0
Agriculture$0
Other$0

Loan book

Reported balances and balance-sheet intensity.

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
L/D
0.0%
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 + DEP
Loans/assets
0.0%
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 + ASSET

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
0%

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
0%

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
C&I %
FDICLNCI + LNLSGR