Side-by-side · Q2 2026 data
Emigrant Mercantile Bank vs GS&L Municipal Bank
Metric by metric
| Measure | Emigrant Mercantile Bank | GS&L Municipal Bank |
|---|---|---|
| TellerScore | 80 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 31 | 94 (stronger) |
| Funding & liquidity | 61 (stronger) | 53 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 66th | 92nd |
| Total assets | $3.5M | $31.6M |
| Deposits / shares | $500K | $16.0M |
| Capital ratio | 85.67% (stronger) | 44.48% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.29% | 1.85% (stronger) |
| Loans ÷ deposits | 0.0% | 0.0% |
| Uninsured deposits | 50.0% (stronger) | 57.2% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 80). On the 4 directional measures above (where higher or lower is clearly better), Emigrant Mercantile Bank leads on 2 and GS&L Municipal Bank on 2. 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.