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Gs&L Municipal Bank
Gouverneur, NY · FDIC Certificate #59312 · Chartered 09/1
Total assets
$31.63M
Total deposits
$16.02M
Total equity
$14.98M
Net loans
$0
Branches (offices)
4
Net income (YTD)
$332.00K
Rank: #4,138 of 4,213 U.S. banks by assets · #110 of 115 in New York. Assets changed -15.9% and deposits -30.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 4.46% |
| Net interest margin (YTD) | 4.72% |
| Equity to assets | 47.35% |
| Tier 1 leverage ratio | 44.48% |
| Uninsured deposits (share of deposits) | 57.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2023 | $34.41M | $19.03M | $451.00K | $12.57M |
| Jun 2024 | $31.11M | $17.43M | $414.00K | $13.35M |
| Jun 2025 | $37.62M | $22.92M | $381.00K | $14.22M |
| Jun 2026 | $31.63M | $16.02M | $332.00K | $14.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $16.02M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.02M.
Similar-sized banks
Maxwell State Bank ($31.75M) · First Progressive Bank ($31.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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