GS&L Municipal Bank is a state-chartered bank headquartered in Gouverneur, New York. At the end of Q2 2026 it reported $31.6M in total assets and $16.0M in deposits, with 4 offices.
Based on its Q2 2026 filing, GS&L Municipal Bank scores 92/100, which we describe as very strong. That is higher than 92% of 546 banks with under $100 million in assets. Among 121 banks headquartered in New York, it ranks 5th. Its strongest component is capital cushion (100/100; 44.48%), and its lowest is funding & liquidity (53/100; 0% loans-to-deposits, 57% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 92).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 93 |
| Q4 2024 | 93 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 93 |
| Q4 2025 | 93 |
| Q1 2026 | 92 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 46.22% |
| Q3 2024 | 40.22% |
| Q4 2024 | 39.35% |
| Q1 2025 | 36.99% |
| Q2 2025 | 37.15% |
| Q3 2025 | 39.98% |
| Q4 2025 | 39.32% |
| Q1 2026 | 38.70% |
| Q2 2026 | 44.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.38% |
| Q3 2024 | 2.22% |
| Q4 2024 | 2.11% |
| Q1 2025 | 2.07% |
| Q2 2025 | 2.05% |
| Q3 2025 | 2.09% |
| Q4 2025 | 2.05% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $31.6M | 44.48% | 0.00% | 1.85% | 0.0% |
| Q1 2026 | 92 | $37.1M | 38.70% | 0.00% | 1.90% | 0.0% |
| Q4 2025 | 93 | $39.0M | 39.32% | 0.00% | 2.05% | 0.0% |
| Q3 2025 | 93 | $35.1M | 39.98% | 0.00% | 2.09% | 0.0% |
| Q2 2025 | 93 | $37.6M | 37.15% | 0.00% | 2.05% | 0.0% |
| Q1 2025 | 93 | $38.7M | 36.99% | 0.00% | 2.07% | 0.0% |
| Q4 2024 | 93 | $35.1M | 39.35% | 0.00% | 2.11% | 0.0% |
| Q3 2024 | 93 | $35.8M | 40.22% | 0.00% | 2.22% | 0.0% |
| Q2 2024 | 94 | $31.1M | 46.22% | 0.00% | 2.38% | 0.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metropolitan Bank and Trust CompanyBank New York, NY | 48 out of 100, Below average | $32.0M | 0.0% | 0.00% | vs |
| Bank of CattaraugusBank Cattaraugus, NY | 67 out of 100, Moderate | $31.0M | 10.3% | 1.16% | vs |
| The Citizens National Bank of HammondBank Hammond, NY | 41 out of 100, Below average | $23.9M | 7.9% | 1.27% | vs |
| Emigrant Mercantile BankBank New York, NY | 80 out of 100, Strong | $3.5M | 85.7% | 0.00% | vs |
| Sunnyside Federal Savings and Loan Association of IrvingtonBank Irvington, NY | 70 out of 100, Strong | $82.3M | 12.3% | 0.18% | vs |
Deposit insurance
Is my money safe at GS&L Municipal Bank?
Yes. GS&L Municipal Bank is an FDIC-insured institution (FDIC certificate #59312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.2% of deposits ($9.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 44.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 92.80% (benchmark: 10%).
4 locations
Branches
GS&L Municipal Bank lists 4 offices in 4 cities. Most locations:
- Alexandria Bay, NY (1)
- Cape Vincent, NY (1)
- Chaumont, NY (1)
- Gouverneur, NY (1)
Identity & history
Profile
- Legal name
- GS&L Municipal Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59312
- RSSD ID
- 5784921
- Primary regulator
- FDIC
- Holding company
- Gouverneur Bcorp Inc
- Established
- September 16, 2022
- Headquarters
- 42 Church St, Gouverneur, NY 13642
Quick answers
GS&L Municipal Bank: common questions
Is GS&L Municipal Bank FDIC insured?
Yes. GS&L Municipal Bank is an FDIC-insured institution (FDIC certificate #59312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is GS&L Municipal Bank's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has GS&L Municipal Bank ever failed?
There is no failure record for FDIC certificate #59312 in the FDIC failed bank list.
How many branches does GS&L Municipal Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gouverneur
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| The North Country Savings BankBank Canton, NY | 78 out of 100, Strong | $373.5M | 14.5% | 0.82% | vs |
| Gouverneur Savings and Loan AssociationBank Gouverneur, NY | 74 out of 100, Strong | $198.9M | 14.5% | 1.00% | vs |
| Saint Lawrence Federal Credit UnionCredit union Ogdensburg, NY | 72 out of 100, Strong | $272.3M | 11.5% | 0.54% | vs |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |
| KeyBank National AssociationBank Cleveland, OH | 63 out of 100, Moderate | $188.6B | 9.9% | 0.86% | vs |