Side-by-side · Q2 2026 data
The North Country Savings Bank vs GS&L Municipal Bank
Metric by metric
| Measure | The North Country Savings Bank | GS&L Municipal Bank |
|---|---|---|
| TellerScore | 78 | 92 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 72 | 94 (stronger) |
| Funding & liquidity | 54 (stronger) | 53 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 72nd | 92nd |
| Total assets | $373.5M | $31.6M |
| Deposits / shares | $296.6M | $16.0M |
| Capital ratio | 14.53% | 44.48% (stronger) |
| Problem loans | 0.82% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.30% | 1.85% (stronger) |
| Loans ÷ deposits | 106.0% | 0.0% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 57.2% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank 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.