FDIC Cert #59312 · Gouverneur, New York · Est. 2022

GS&L Municipal Bank - FDIC Bank Health Profile

A community-scale look at GS&L Municipal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$39M
Total assets
A
Health grade · Excellent
2.05%
Return on assets
83.0%
Tier 1 capital

Data updated July 2026

The verdict

GS&L Municipal Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 82.95% Tier 1, profitable at 2.05% ROA, efficient (13% cost ratio).

#4,191
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
82.95%
Tier 1 ratio - above the 10% well-capitalized line
91st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 59312 · NY A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (100/100)
  • TOP-DECILE #152/4307
  • PHOTO-FINISH Square Financial Ser… · UT
  • TIER1-WELL 83.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 2.05% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside New York: Square Financial Services, Inc., UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around GS&L Municipal Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Charles Schwab Trust… · TX ·…100/100Community State Bank · CO · …100/100GS&L Municipal Bank · NY · t…100/100Morgan Stanley Bank,… · UT ·…100/100Square Financial Ser… · UT ·…100/100Stifel Trust Company… · DE ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around GS&L Municipal Bank · July 2026

What GS&L Municipal Bank's Call Report plate shows

GS&L Municipal Bank (FDIC Cert #59312) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #152 of 4,307. Tier 1 capital prints at 82.95%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.05%. Balance-sheet scale is $39M, 4,191st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Square Financial Services, Inc. (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around GS&L Municipal Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

GS&L Municipal Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; GS&L Municipal Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How GS&L Municipal Bank's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
GS&L Municipal Bank's composite health score
Tier 1 Capital Ratio (82.95%) 40/40
Return on Assets (ROA) (2.05%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (12.91%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$39M

Total balance-sheet footings

Total Deposits

$24M

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$760K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 20% 40% 60% 80% 100% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 81.55% 82.95% 84.35%
Basel III capital ratios - GS&L Municipal Bank

Where GS&L Municipal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. GS&L Municipal Bank's score of 100/100 falls in the highlighted band.

GS&L Municipal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. GS&L Municipal Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

GS&L Municipal Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). GS&L Municipal Bank's $39M falls in the highlighted band.

Safety ratios for GS&L Municipal Bank

Tier 1 capital ratio
Well-capitalized 10%

82.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
82.95%
Texas Ratio
0.00%
Equity Capital
$15M

What these ratios mean →

Earnings posture at GS&L Municipal Bank

Return on Assets (ROA)
91st percentile nationally
2.05%
Return on Equity (ROE)
5.33%
Efficiency Ratio
12.91%

What these mean →

Income & expense at GS&L Municipal Bank

$1M
Interest Income
-
Non-Interest Income
$135K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. GS&L Municipal Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View GS&L Municipal Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($39M here), outside New York so the neighborhood is not state containment.

Bank Of Jackson Hole Trust $39M · WY Credit First $39M · OH The Farmers State Bank of Turton $39M · SD Heritage Bank $39M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) GS&L Municipal Bank (FDIC Cert #59312) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

GS&L Municipal Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%