Side-by-side · Q2 2026 data
Gouverneur Savings and Loan Association vs GS&L Municipal Bank
Metric by metric
| Measure | Gouverneur Savings and Loan Association | GS&L Municipal Bank |
|---|---|---|
| TellerScore | 74 | 92 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 45 | 94 (stronger) |
| Funding & liquidity | 74 (stronger) | 53 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 57th | 92nd |
| Total assets | $198.9M | $31.6M |
| Deposits / shares | $157.6M | $16.0M |
| Capital ratio | 14.53% | 44.48% (stronger) |
| Problem loans | 1.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.62% | 1.85% (stronger) |
| Loans ÷ deposits | 85.8% | 0.0% (stronger) |
| Uninsured deposits | 13.9% (stronger) | 57.2% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Gouverneur Savings and Loan 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
- Cape Vincent, NY
- Chaumont, NY
- Gouverneur, NY