GS&L Municipal Bank: how it compares with its peers
Against 268 U.S. banks with half to twice its assets, GS&L Municipal Bank's strongest measure in Q2 2026 is efficiency ratio (14.89% vs. a 74.92% peer median). Its weakest relative measure is return on assets (1.85% vs. 0.92%).
| Measure | GS&L Municipal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 0.92% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 3.86% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 14.89% | 74.92% | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 61.27% | Context |
What it means for lending operations
Its efficiency ratio of 14.89% is better than the 74.92% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Progressive Bank Brewton, AL · $32M
- Lake Country Community Bank Morristown, MN · $32M
- Maxwell State Bank Maxwell, IA · $32M
- Jackson Savings Bank, SSB Sylva, NC · $32M
- Metropolitan Bank and Trust Company New York, NY · $32M
- Martinsville First Savings Bank Martinsville, VA · $32M
Questions about GS&L Municipal Bank
How big is GS&L Municipal Bank?
GS&L Municipal Bank, established in 2022, is headquartered in Gouverneur, NY. It reported $32M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is GS&L Municipal Bank's return on assets?
1.85% annualized in Q2 2026, against a 0.92% median for 268 U.S. banks with half to twice its assets, ahead of 83% of them.
What is GS&L Municipal Bank's efficiency ratio?
14.89% in Q2 2026: it spent about 15 cents in noninterest expense for each dollar of revenue. The peer median is 74.92%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.