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GSL Savings Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 28708

Designations: ✓ Mutual

Guttenberg, NJ

2 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits -8.6% year over year ($120.4M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 0.25%.
  • Efficiency ratio 87.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

GSL Savings Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 25.2% in tier
  • - Liquidity Strain: Bottom 27.2% in tier
  • - Capital Constraint: Bottom 37.4% in tier
  • - Return on Assets 1.08% below tier average
  • - Net Interest Margin 1.40% below tier average
  • - Efficiency Ratio 23.21% above tier average
  • - Non-Interest-Bearing Deposit Share 16.21% below tier average
Get updates when GSL Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $151.2M
-7.0% YoY -3.4% QoQ
-$235.4M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Bottom 14.4% in tier
Total Loans ? $118.9M
+0.9% YoY +1.9% QoQ
-$139.5M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $120.4M
-8.6% YoY -4.3% QoQ
-$206.3M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Bottom 12.0% in tier
Return on Assets ? 0.25%
+225.1% YoY +265.5% QoQ
-1.08% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 6.4% in tier
Net Interest Margin ? 2.59%
+20.0% YoY +3.4% QoQ
-1.40% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 3.5% in tier
Efficiency Ratio ? 87.69%
-20.6% YoY -17.9% QoQ
+23.21% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
Bottom 7.5% in tier
Delinquency Rate ? 0.22%
-51.5% YoY -48.8% QoQ
-0.69% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 98.71%
+10.4% YoY +6.5% QoQ
+20.76% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ? 5.82%
+11.2% YoY -3.3% QoQ
-16.21% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 4.5% in tier
Nonperforming Asset Ratio ? 0.18%
-47.4% YoY -46.0% QoQ
-0.49% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 11.90%
+3.6% YoY +3.0% QoQ
-4.00% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.32%
+321.2% YoY
-0.25% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 5.8%
+0.6pp YoY
-0.2pp QoQ
 -16.3pp 22.1% 16.6% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 5.3%
-1.9pp YoY
-0.6pp QoQ
 -6.3pp 11.6% 6.5% 12.5% 21%
CRE 32.4%
-1.1pp YoY
+0.7pp QoQ
 -7.1pp 39.5% 56.3% 41.4% 39%
1-4 Family 59.6%
-0.3pp YoY
-0.2pp QoQ
 +27.0pp 32.6% 39.4% 31.3% 90%
Consumer 3.4%
+0.1pp QoQ
 -0.7pp 4.1% 4.3% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 11.9%
+0.4pp YoY
+0.3pp QoQ
 -6.9pp 18.8% 18.8% 19.7% 16%
Leverage Ratio 7.5%
+0.3pp YoY
0.0pp QoQ
 -4.7pp 12.2% 13.4% 12.6% 1%
Total Capital Ratio 12.8%
+0.5pp YoY
+0.4pp QoQ
 -7.1pp 19.9% 19.8% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 17
-1 (-5.6%) YoY
-2 (-10.5%) QoQ
 -42 58 336 482 7%
Assets per Employee ($) $8.9M
-1.5% YoY
+8.0% QoQ
 +$1.4M $7.5M $11.2M $8.8M 78%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.2%
-0.2pp YoY
-0.2pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 3.31x
+122.9% YoY
+95.7% QoQ
 -20.84x 24.15x 6.57x 20.23x 61%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 3.3%
+6.1pp YoY
+5.3pp QoQ
 -8.9pp 12.2% 6.4% 11.6% 9%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
+0.1pp QoQ
 +0.7pp 1.7% 1.9% 1.7% 88%
Net Income ($, YTD) $188,000
+219.0% YoY
— QoQ
 -$2.4M $2.6M $19.8M $40.4M 5%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline
#136 of 535 • Bottom 25.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#189 of 691 • Bottom 27.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.71%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#41 of 107 • Bottom 37.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 98.71%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.90%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

657
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (8 metrics)

2551
Net Interest Margin
profitability
Value: 2.59%
Peer Median: 3.99%
#2551 of 2643 Bottom 3.5% in $100M-$1B
2526
Non-Interest-Bearing Deposit Share
funding
Value: 5.82%
Peer Median: 22.03%
#2526 of 2643 Bottom 4.5% in $100M-$1B
2474
Return on Assets
profitability
Value: 0.25%
Peer Median: 1.32%
#2474 of 2643 Bottom 6.4% in $100M-$1B
2445
Efficiency Ratio
profitability
Value: 87.69%
Peer Median: 64.48%
#2445 of 2643 Bottom 7.5% in $100M-$1B
2333
Loan-to-Deposit Ratio
liquidity
Value: 98.71%
Peer Median: 77.95%
#2333 of 2643 Bottom 11.8% in $100M-$1B
2327
Total Deposits
size
Value: $120.42M
Peer Median: $326.73M
#2327 of 2643 Bottom 12.0% in $100M-$1B
2263
Total Assets
size
Value: $151.21M
Peer Median: $386.57M
#2263 of 2643 Bottom 14.4% in $100M-$1B
1989
Total Loans
size
Value: $118.86M
Peer Median: $258.35M
#1989 of 2643 Bottom 24.8% in $100M-$1B
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