Side-by-side · Q2 2026 data
NBT Bank, National Association vs GS&L Municipal Bank
Metric by metric
| Measure | NBT Bank, National Association | GS&L Municipal Bank |
|---|---|---|
| TellerScore | 64 | 92 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 68 | 94 (stronger) |
| Funding & liquidity | 44 | 53 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 46th | 92nd |
| Total assets | $16.1B | $31.6M |
| Deposits / shares | $13.7B | $16.0M |
| Capital ratio | 9.49% | 44.48% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.21% | 1.85% (stronger) |
| Loans ÷ deposits | 85.8% | 0.0% (stronger) |
| Uninsured deposits | 42.5% (stronger) | 57.2% |
| Offices | 174 | 4 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 64). On the 7 directional measures above (where higher or lower is clearly better), NBT 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.