BlastPoint's Banking Scorecard
GSL Savings Bank
Designations: ✓ Mutual
Guttenberg, NJ
2 branches across NJ
GSL Savings Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.2% in tier
- - Capital Constraint: Bottom 36.1% in tier
- - Deposit Outflow: Bottom 45.3% in tier
- - Return on Assets 1.42% below tier average
- - Net Interest Margin 1.42% below tier average
- - Efficiency Ratio 41.47% above tier average
- - Non-Interest-Bearing Deposit Share 16.00% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.5M
-3.0% YoY
+4.9% QoQ
|
-$229.6M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$116.7M
+2.0% YoY
-0.8% QoQ
|
-$139.1M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$125.8M
-3.5% YoY
+6.4% QoQ
|
-$202.1M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.8% in tier |
| Return on Assets ? |
-0.15%
+23.1% YoY
-30.4% QoQ
|
-1.42% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.9% in tier |
| Net Interest Margin ? |
2.51%
+16.0% YoY
+7.4% QoQ
|
-1.42% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio ? |
106.76%
-2.5% YoY
+1.0% QoQ
|
+41.47% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate ? |
0.44%
-8.1% YoY
-5.5% QoQ
|
-0.45% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
92.71%
+5.7% YoY
-6.7% QoQ
|
+16.08% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
6.02%
+5.2% YoY
+30.8% QoQ
|
-16.00% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.6% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-3.3% YoY
-10.6% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.56%
-6.2% YoY
-1.3% QoQ
|
-4.27% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.01%
-77.3% YoY
-88.5% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.5% in tier |
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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 (0)
Concerns (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.