Gs & L Municipal Bank
Gouverneur, NY·RSSD 5784921·FDIC 59312·bank:5784921·Risk-based ratios where reported
- #121 of 127Total assets in New York
- 4offices
- Top 1%Efficiency vs. peers
- Top 9%Cost of deposits vs. peers
Performance over time
16 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Portfolio detail unavailable
This source does not provide mapped loan categories for this filing.
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Gs & L Municipal Bank
3 of 20 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-30.1%peers +2.5%-32.6 pp
Gs & L Municipal Bank's deposits declined 30.1% over the past year to $16.0 million. The median among 537 similar banks was +2.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| -30.1% | +2.5% | -32.6 pp |
| Deposits | ||
| $16.0 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Gs & L Municipal Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter44.48%peers 13.04%+31.4 pp
Gs & L Municipal Bank's leverage ratio rose 7.3 percentage points over the past year to 44.48%. Among 575 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 44.48% | 13.04% | +31.4 pp |
| 12-month change | ||
| +7.3 pp | +0.1 pp | +7.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Gs & L Municipal Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter0.00%peers 0.27%-27 bps
Gs & L Municipal Bank's noninterest income relative to average assets was 0.00%, compared with a median of 0.27% among 576 similar banks: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.00% | 0.27% | -27 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Gs & L Municipal Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Gs & L Municipal Bank is a bank headquartered in Gouverneur, New York. It reported $31.6 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $16.0 million, down 30.1% from a year earlier, and loans totaled $0.
- Its net interest margin was 4.79% and its annualized return on assets was 1.76% for the quarter.
- Its cost of all deposits was 0.68%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Gs & L Municipal Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Gs & L Municipal Bank · Bank
- Federal Reserve RSSD
- 5784921
- FDIC certificate
- 59312
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Gs & L Municipal Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $151K | — | |
| $252K | — | |
| $32K | — | |
| $220K | — | |
| $0 | — | |
| $38K | — | |
| $0 | — | |
| $0 | — | |
| 1.76% | 1.76%ROAQ · Quarter | |
| 4.79% | 4.78%NIMYQ · Quarter | |
| 17.27% | 17.27%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.