GS&L Municipal Bank
Gouverneur, NY · Cert 59312 · Peer group: banks under $1B in assets (n=594-629) · Gouverneur Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
$31.6MAssets
$0KLoans
$16.0MDeposits
$15.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets (rank 4 of 629).
- Widest gap: net interest margin trails 85% of banks under $1B in assets (rank 532 of 629).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
2.10%
Rank 70 of 629
Net Interest Margin
2.77%
Rank 532 of 629
Efficiency Ratio
14.89%
Rank 4 of 629
Equity / Assets
47.35%
Rank 48 of 629
Non-interest income vs. expense
Unfavorable gap of $140K · efficiency ratio beats 100% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.10% | 0.60% | 1.01% | 1.45% | Beats 89% | 70 / 629 | | |
| Return on Equity | 4.43% | 5.38% | 9.30% | 13.28% | Beats 20% | 504 / 629 | | |
| Net Interest Margin | 2.77% | 3.03% | 3.54% | 4.05% | Beats 15% | 532 / 629 | | |
| Efficiency Ratio | 14.89% | 58.35% | 67.79% | 79.08% | Beats 100% | 4 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 92.80% | 11.24% | 13.84% | 18.77% | Beats 94% | 36 / 629 | | |
| Total Risk-Based Capital Ratio | 92.80% | 11.58% | 14.43% | 19.66% | Beats 94% | 36 / 629 | | |
| Equity / Assets | 47.35% | 9.09% | 10.65% | 13.80% | Beats 92% | 48 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 67.24% | 80.90% | 93.48% | 0th pctl | 582 / 594 | | |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |