Total Assets
$149M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
GSL Savings Bank — FDIC Bank Health Profile
Guttenberg, New Jersey · Est. 1907. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered SI FDIC Cert #28708 New York Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — GSL Savings Bank
Total Deposits
$118M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$-180K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
11.71% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.71%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$11M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-0.11%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-1.59%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
105.73%
Income & Expense Breakdown
$8M
Interest Income
$183K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
GSL Savings Bank is FDIC-insured (Certificate #28708). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About GSL Savings Bank
GSL Savings Bank is an FDIC-insured institution (Certificate #28708) headquartered in Guttenberg, New Jersey, established in 1907. The bank currently holds $149M in total assets and $118M in customer deposits, with $118M deployed as loans. It operates as a State chartered (SI) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, GSL Savings Bank reports a Tier 1 Capital Ratio of 11.71% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $11M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -0.11% and a Return on Equity of -1.59%, with an Efficiency Ratio of 105.73% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at GSL Savings Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New Jersey by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data GSL Savings Bank (FDIC Cert #28708) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National Bank Passaic | $64.1B | C | 0.99% |
| Provident Bank Jersey City | $24.9B | B | 1.28% |
| OceanFirst Bank, National Association Toms River | $14.5B | C | 0.61% |
| ConnectOne Bank Englewood Cliffs | $14.0B | C | 0.77% |
| Columbia Bank Fair Lawn | $11.0B | C | 0.48% |
| Cross River Bank Fort Lee | $8.1B | F | 0.29% |
| Kearny Bank Kearny | $7.6B | D | 0.43% |
| Peapack Private Bank & Trust Bedminster | $7.5B | D | 0.57% |
Frequently Asked Questions
What is GSL Savings Bank's health grade? ▼
GSL Savings Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is GSL Savings Bank? ▼
GSL Savings Bank holds $149M in total assets and $118M in deposits. It is headquartered in Guttenberg, New Jersey.
Is my money safe at GSL Savings Bank? ▼
Yes. GSL Savings Bank is FDIC-insured (Certificate #28708). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is GSL Savings Bank's Tier 1 Capital Ratio? ▼
GSL Savings Bank has a Tier 1 Capital Ratio of 11.71%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is GSL Savings Bank? ▼
GSL Savings Bank has an Efficiency Ratio of 105.73%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.