| Metric | GS&L Municipal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.9% | +3.0% | -18.9 pts |
| Deposit growth (YoY) | -30.1% | +2.5% | -32.6 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 1.85% | 0.99% | +0.9 pts |
| ROE | 4.5% | 8.1% | -3.6 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.6M | $16.0M | $0 | $15.0M | $332K | 1.85% | 4.72% | 0.00% |
| Q1 2026 | $37.1M | $21.5M | $0 | $14.9M | $181K | 1.90% | 4.64% | 0.00% |
| Q4 2025 | $39.0M | $23.7M | $0 | $14.8M | $760K | 2.05% | 4.56% | 0.00% |
| Q3 2025 | $35.1M | $20.0M | $0 | $14.5M | $574K | 2.09% | 4.58% | 0.00% |
| Q2 2025 | $37.6M | $22.9M | $0 | $14.2M | $381K | 2.05% | 4.54% | 0.00% |
| Q1 2025 | $38.7M | $24.2M | $0 | $14.0M | $191K | 2.07% | 4.41% | 0.00% |
| Q4 2024 | $35.1M | $21.0M | $0 | $13.7M | $738K | 2.11% | 3.72% | 0.00% |
| Q3 2024 | $35.8M | $21.4M | $0 | $14.0M | $583K | 2.22% | 3.80% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $15.9M
| Ratio | GS&L Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.99% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 8.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 14.9% | 70.8% | 1st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | GS&L Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | GS&L Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | GS&L Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | GS&L Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | GS&L Municipal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2025) · $16.0M branch deposits. Biggest market: Jefferson, NY, ranked 13th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, NY | 3 | $15.9M | 0.49% | 13th |
| St. Lawrence, NY | 1 | $71K | 0.00% | 15th |
New York: 373rd with 0.00% · Watertown-Fort Drum metro: 13th, 0.49% ·
Branch count: 2023 4 · 2024 4 · 2025 4 · 2026 4