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GSL Savings Bank

Guttenberg, NJ · Cert 28708 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

SI · FDIC · 2 branches

Q2 2026

$151.2MAssets
$119.7MLoans
$120.4MDeposits
$11.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 30 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.25%

Rank 20 of 31

Net Interest Margin

2.48%

Rank 26 of 31

Efficiency Ratio

87.69%

Rank 18 of 31

Equity / Assets

7.63%

Rank 30 of 31

Non-interest income vs. expense

$1.0M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 45% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 87.69%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.25%-0.02%0.39%0.84%Beats 35%20 / 31
Return on Equity3.26%-0.19%2.57%5.72%Beats 52%15 / 31
Net Interest Margin2.48%2.51%3.30%3.85%Beats 16%26 / 31
Efficiency Ratio87.69%68.41%83.66%91.76%Beats 45%18 / 31
Asset Quality
Nonperforming Loans / Loans0.22%0.18%0.47%2.65%Beats 67%11 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio11.90%13.24%15.54%26.77%Beats 6%29 / 31
Total Risk-Based Capital Ratio12.83%14.07%16.32%26.77%Beats 16%26 / 31
Equity / Assets7.63%10.38%13.26%17.83%Beats 3%30 / 31
Liquidity & Funding
Loans / Deposits99.44%84.03%94.98%103.65%58th pctl13 / 31
Loans / Assets79.20%61.61%75.31%83.78%58th pctl13 / 31
Brokered Deposits / Depositsn/aNot reported for this institution