BlastPoint's Banking Scorecard
GSL Savings Bank
Micro
Specialty: Commercial
NJ
FDIC cert 28708
Designations: ✓ Community bank ✓ Mutual
Guttenberg, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
GSL Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.88% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.20% below tier
- - Net Interest Margin 1.52% below tier
- - Efficiency Ratio 38.00% above tier
- - Non-Interest-Bearing Deposit Share 17.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$149.1M
-4.6% YoY
-5.1% QoQ
|
-$68.4M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$117.6M
+2.3% YoY
-0.7% QoQ
|
-$21.6M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$118.3M
-4.7% YoY
-6.2% QoQ
|
-$65.4M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
-0.11%
+82.8% YoY
+19.1% QoQ
|
-1.20% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.33%
+16.9% YoY
+4.6% QoQ
|
-1.52% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
105.73%
-22.1% YoY
-2.0% QoQ
|
+38.00% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.46%
-41.6% YoY
+0.7% QoQ
|
-0.18% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
99.41%
+7.3% YoY
+5.9% QoQ
|
+24.88% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.60%
-33.1% YoY
+7.0% QoQ
|
-17.79% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-37.4% YoY
+5.4% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.71%
-7.1% YoY
+2.1% QoQ
|
+2.86% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.12%
+54.7% YoY
+26.0% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.41%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.11%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.33%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
105.73%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.60%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.41% · Tier avg: 74.53%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.71% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $117.6M · Tier avg: $139.2M
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
38
38th pctile
Total Assets
Current: $149.1M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $118.3M · Tier avg: $183.7M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
5
5th pctile
Return on Assets
Current: -0.11% · Tier avg: 1.08%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.60% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.33% · Tier avg: 3.85%
3
3th pctile
Efficiency Ratio
Current: 105.73% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 105.73% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.33% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.60% · Tier avg: 22.39%
5
5th pctile
Return on Assets
Current: -0.11% · Tier avg: 1.08%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
35
35th pctile
Total Deposits
Current: $118.3M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $149.1M · Tier avg: $217.5M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
49
49th pctile
Total Loans
Current: $117.6M · Tier avg: $139.2M
57
57th pctile
Tier 1 Capital Ratio
Current: 11.71% · Tier avg: 8.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.41% · Tier avg: 74.53%