BlastPoint's Banking Scorecard

GS&L Municipal Bank

under $100M Specialty: Other NY FDIC cert 59312

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.

541 banks in the under $100M peer group nationally 5 in NY

View under $100M leaderboard (NY) →

GS&L Municipal Bank has 4 strengths but faces 2 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

+ Efficiency Ratio 75.54% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 1.07% above tier average
+ Net Interest Margin 0.78% above tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 21.32% below tier average
- Non-Interest Income / Assets 0.67% below tier average

Get updates when GS&L Municipal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$37.1M -4.3% YoY -5.1% QoQ	-$25.1M	$62.2M -0.6% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$0	-$34.2M	$34.2M -1.4% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Bottom 3.7% in tier
Total Deposits ?	$21.5M -11.2% YoY -9.1% QoQ	-$30.2M	$51.7M -0.7% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Bottom 11.5% in tier
Return on Assets ?	1.90% -8.1% YoY -7.1% QoQ	+1.07%	0.84% -2.3% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Top 11.3% in tier
Net Interest Margin ?	4.64% +5.0% YoY +1.6% QoQ	+0.78%	3.86% +2.8% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	12.80% +9.0% YoY -0.8% QoQ	-75.54%	88.34% +0.3% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 0.7% in tier
Delinquency Rate ?	-	-	1.37% +33.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-64.22%	64.22% -0.7% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	2.39% +38.1% YoY +15.8% QoQ	-21.32%	23.71% +0.3% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Bottom 8.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	81.11% -3.2% YoY -2.2% QoQ	+54.42%	26.68% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 4.3% in tier
Non-Interest Income / Assets ?	0.00%	-0.67%	0.67% +1.9% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 2.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 64.22%

#1 of 541 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 12.80%

Peer Median: 88.34%

#5 of 541 Top 0.7% in under $100M

Tier 1 Capital Ratio

capital

Value: 81.11%

Peer Median: 26.68%

#24 of 541 Top 4.3% in under $100M

Return on Assets

profitability

Value: 1.90%

Peer Median: 0.84%

#62 of 541 Top 11.3% in under $100M

111

Net Interest Margin

profitability

Value: 4.64%

Peer Median: 3.86%

#111 of 541 Top 20.3% in under $100M

Top Weaknesses (5 metrics)

528

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.67%

#528 of 541 Bottom 2.6% in under $100M

522

Total Loans

size

Value: $0.00

Peer Median: $34.25M

#522 of 541 Bottom 3.7% in under $100M

496

Non-Interest-Bearing Deposit Share

funding

Value: 2.39%

Peer Median: 23.71%

#496 of 541 Bottom 8.5% in under $100M

480

Total Deposits

size

Value: $21.52M

Peer Median: $51.74M

#480 of 541 Bottom 11.5% in under $100M

447

Total Assets

size

Value: $37.05M

Peer Median: $62.16M

#447 of 541 Bottom 17.6% in under $100M