BlastPoint's Banking Scorecard
GS&L Municipal Bank
Designations: ✓ Community bank
Gouverneur, NY
4 branches across NY
Non-lending institution — comparison caveats apply
GS&L Municipal Bank is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
GS&L Municipal Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 104.50% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.85% above tier average
- + Net Interest Margin 0.81% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.39% below tier average
- - Non-Interest Income / Assets 1.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.6M
-15.9% YoY
-14.6% QoQ
|
-$30.8M |
$62.4M
-0.0% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.4% in tier |
| Total Loans ? | $0 | -$34.9M |
$34.9M
-0.6% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.5% in tier |
| Total Deposits ? |
$16.0M
-30.1% YoY
-25.6% QoQ
|
-$35.6M |
$51.6M
-0.2% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.5% in tier |
| Return on Assets ? |
1.85%
-9.8% YoY
-2.8% QoQ
|
+0.85% |
1.00%
+3.5% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Top 13.8% in tier |
| Net Interest Margin ? |
4.72%
+4.1% YoY
+1.9% QoQ
|
+0.81% |
3.91%
+2.3% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
14.89%
+18.5% YoY
+16.4% QoQ
|
-104.50% |
119.40%
+49.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Top 0.6% in tier |
| Delinquency Rate ? | - | - |
1.48%
+31.8% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.21% |
74.21%
+12.6% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.10%
+55.0% YoY
+29.4% QoQ
|
-20.39% |
23.49%
+0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
92.80%
+11.7% YoY
+14.4% QoQ
|
+65.68% |
27.13%
+3.0% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
Top 4.3% in tier |
| Non-Interest Income / Assets ? | 0.00% | -1.38% |
1.38%
+6.3% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
3.1%
+1.1pp YoY +0.7pp QoQ |
-21.5pp | 24.6% | 22.1% | 22.2% | 4% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 11.0% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 46.2% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 36.6% | 31.3% | n/a |
| Consumer | n/a | n/a | 7.7% | 5.1% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
92.8%
+9.7pp YoY +11.7pp QoQ |
+54.1pp | 38.7% | 26.1% | 19.7% | 93% |
| Leverage Ratio |
44.5%
+7.3pp YoY +5.8pp QoQ |
+26.8pp | 17.7% | 13.9% | 12.6% | 95% |
| Total Capital Ratio |
92.8%
+9.7pp YoY +11.7pp QoQ |
+53.1pp | 39.7% | 27.2% | 20.8% | 93% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees | n/a | n/a | 12 | 914 | 482 | n/a |
| Assets per Employee ($) | n/a | n/a | $6.2M | $14.8M | $8.8M | n/a |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 27 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.3% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 1.92x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.5%
-1.0pp YoY -0.4pp QoQ |
-1.9pp | 6.4% | 7.9% | 11.6% | 30% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.8% | 1.7% | 12% |
| Net Income ($, YTD) |
$332,000
-12.9% YoY — QoQ |
+$14K | $317,817 | $111.2M | $40.4M | 56% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.