GSL Savings Bank
Total assets
$151.2M
▼ -7.0% YoY
Deposits
$120.4M
▼ -8.6% YoY
Loans
$118.9M
▲ +0.9% YoY
Offices
2
ROA (annualized)
0.25%
peers 1.24%
ROE (annualized)
3.30%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | GSL Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +4.4% | -11.3 pts |
| Deposit growth (YoY) | -8.6% | +4.0% | -12.6 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.7 pts |
| ROA | 0.25% | 1.24% | -1.0 pts |
| ROE | 3.3% | 11.9% | -8.6 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 6823 Bergenline Ave, Guttenberg, NJ, 07093
- County
- Hudson
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 2
- FDIC cert #
- 28708
- RSSD ID
- 564678
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.2M | $120.4M | $118.9M | $11.5M | $188K | 0.25% | 2.59% | 0.18% |
| Q1 2026 | $156.5M | $125.8M | $116.7M | $11.3M | $-57K | -0.15% | 2.51% | 0.33% |
| Q4 2025 | $149.1M | $118.3M | $117.6M | $11.3M | $-180K | -0.11% | 2.33% | 0.37% |
| Q3 2025 | $157.1M | $126.1M | $118.4M | $11.3M | $-169K | -0.14% | 2.23% | 0.35% |
| Q2 2025 | $162.5M | $131.8M | $117.8M | $11.3M | $-158K | -0.20% | 2.16% | 0.34% |
| Q1 2025 | $161.3M | $130.3M | $114.3M | $11.3M | $-77K | -0.19% | 2.16% | 0.34% |
| Q4 2024 | $156.3M | $124.1M | $114.9M | $11.3M | $-1.1M | -0.66% | 2.00% | 0.58% |
| Q3 2024 | $166.4M | $139.3M | $116.2M | $12.0M | $-489K | -0.41% | 1.95% | 0.02% |
Loan mix (Q2 2026): real estate $109.4M · commercial $6.3M · consumer $4.1M · securities $11.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | GSL Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.96% | 3th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 62.9% | 92th | |
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% |
Balance sheet
| Ratio | GSL Savings 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% |
Capital
| Ratio | GSL Savings 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% |
Credit quality
| Ratio | GSL Savings 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% |
Franchise
| Ratio | GSL Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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