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Gsl Savings Bank
Guttenberg, NJ · FDIC Certificate #28708 · Chartered 01/0
Total assets
$151.21M
Total deposits
$120.42M
Total equity
$11.53M
Net loans
$118.86M
Branches (offices)
2
Net income (YTD)
$188.00K
Rank: #3,298 of 4,213 U.S. banks by assets · #46 of 49 in New Jersey. Assets changed -7.0% and deposits -8.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.25% |
| Return on equity | 3.30% |
| Net interest margin (YTD) | 2.59% |
| Equity to assets | 7.63% |
| Tier 1 leverage ratio | 7.46% |
| Uninsured deposits (share of deposits) | 30.9% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 98.7% |
| Real estate loans (share of loans) | 92.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $109.39M | 92.0% | |
| Commercial & industrial | $6.28M | 5.3% | |
| Consumer / individual | $4.08M | 3.4% | |
| Construction & development | $303.00K | 0.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $126.38M | $103.57M | $156.00K | $11.63M |
| Jun 2023 | $137.26M | $114.54M | $249.00K | $11.86M |
| Jun 2024 | $159.30M | $137.18M | -$325.00K | $11.86M |
| Jun 2025 | $162.50M | $131.77M | -$158.00K | $11.27M |
| Jun 2026 | $151.21M | $120.42M | $188.00K | $11.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $120.42M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $120.42M.
Similar-sized banks
Schuyler Savings Bank ($151.21M) · Greenfield Banking Company ($151.19M)
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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