Side-by-side · Q2 2026 data
Community Bank, National Association vs GS&L Municipal Bank
Metric by metric
| Measure | Community Bank, National Association | GS&L Municipal Bank |
|---|---|---|
| TellerScore | 62 | 92 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 68 | 94 (stronger) |
| Funding & liquidity | 66 (stronger) | 53 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 35th | 92nd |
| Total assets | $17.4B | $31.6M |
| Deposits / shares | $14.9B | $16.0M |
| Capital ratio | 7.86% | 44.48% (stronger) |
| Problem loans | 0.50% | 0.00% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.19% | 1.85% (stronger) |
| Loans ÷ deposits | 75.3% | 0.0% (stronger) |
| Uninsured deposits | 31.5% (stronger) | 57.2% |
| Offices | 198 | 4 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 7.1 | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community Bank, National Association leads on 1 and GS&L Municipal Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Alexandria Bay, NY
- Gouverneur, NY