BlastPoint's Banking Scorecard
GS&L Municipal Bank
Micro
Specialty: Other
NY
FDIC cert 59312
Designations: ✓ Community bank
Gouverneur, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
GS&L Municipal Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.96% above tier
- + Efficiency Ratio 54.82% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.33% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$39.0M
+11.1% YoY
+11.2% QoQ
|
-$178.5M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$23.7M
+12.5% YoY
+18.2% QoQ
|
-$160.0M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
2.05%
-2.8% YoY
-2.0% QoQ
|
+0.96% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.56%
+22.8% YoY
-0.4% QoQ
|
+0.71% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
12.91%
+24.7% YoY
-1.3% QoQ
|
-54.82% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
2.07%
-7.7% YoY
-29.6% QoQ
|
-20.33% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
82.95%
-16.1% YoY
-11.6% QoQ
|
+74.10% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? | 0.00% | -0.56% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.05%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
12.91%
(Tier avg: 67.73%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Efficiency Ratio
Current: 12.91% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.08%
81
81th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.85%
5
5th pctile
Total Assets
Current: $39.0M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $23.7M · Tier avg: $183.7M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.07% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.07% · Tier avg: 22.39%
3
3th pctile
Total Deposits
Current: $23.7M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $39.0M · Tier avg: $217.5M
81
81th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.08%
100
100th pctile
Efficiency Ratio
Current: 12.91% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%