Total Assets
$149M
Total balance-sheet footings
FDIC Cert #28708 · Guttenberg, New Jersey · Est. 1907
GSL Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $149M
- Total assets
- D
- Health grade · Weak
- -0.11%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
GSL Savings Bank earns a PlainBankData health grade of D (48/100), with well-capitalized at 11.71% Tier 1, -0.11% ROA, 106% efficiency ratio.
- #3,357
- largest of 4,313 FDIC banks by assets
- 22nd
- percentile by asset size, nationally
- 11.71%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How GSL Savings Bank's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
GSL Savings Bank's composite health score
Tier 1 Capital Ratio (11.71%) 28/40
Return on Assets (ROA) (-0.11%) 0/25
Texas Ratio (4.48%) 20/20
Efficiency Ratio (105.73%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$118M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$-180K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where GSL Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. GSL Savings Bank's score of 48/100 falls in the highlighted band.
GSL Savings 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). GSL Savings Bank's $149M falls in the highlighted band.
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
11.71%
Texas Ratio
4.48%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.11%
Return on Equity (ROE)
-1.59%
Efficiency Ratio
105.73%
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. It holds $149M in total assets - 3,357th of 4,313 FDIC-insured banks, $118M in customer deposits, and $118M in net loans. Looking at capital strength, Tier 1 stands at 11.71%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.48%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (48/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, GSL Savings Bank ranks 47th of 51 banks based in New Jersey -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$183K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. GSL Savings Bank reports a Texas Ratio of 4.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at GSL Savings Bank
GSL Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-180K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at GSL Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) GSL Savings Bank (FDIC Cert #28708) - 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.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is GSL Savings Bank's health grade?▼
GSL Savings Bank receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your 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, ranking 3,357th of 4,313 FDIC-insured banks by asset size. It is headquartered in Guttenberg, New Jersey.
Is my money safe at GSL Savings Bank?▼
Yes, deposits at GSL Savings Bank (Certificate #28708) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for GSL Savings Bank?▼
GSL Savings Bank has a Texas Ratio of 4.48%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read GSL Savings Bank's profile as a depositor or analyst.
- GSL Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare GSL Savings Bank against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.