GS&L Municipal Bank
Gouverneur, NY
IDRSSD: 5784921
Total Assets
$39.03M
Latest filing
Total Deposits
$23.67M
Latest filing
Net Interest Margin
4.67%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
GS&L Municipal Bank
42 Church St
Gouverneur, NY 13642
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/16/2022FDIC Certificate 644984
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| GS&L Municipal Bank (Main) | 42 Church St | Gouverneur, NY |
| CHAUMONT BRANCH | 12084 Nys Route 12e | Chaumont, NY |
| CAPE VINCENT BRANCH | 154 E Broadway Street | Cape Vincent, NY |
| ALEXANDRIA BAY BRANCH | 15 State Route 12 | Alexandria Bay, NY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/16/2022 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13642 |
| State and County Number | 36089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ogdensburg-Massena, NY |
Operational Info
| Number of Employees | 0 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | N/A |
| Last Structure Change Effective Date | 09/16/2022 |
| Date of Deposit Insurance | 09/16/2022 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 59312 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $39.03M |
| Total Deposits | $23.67M |
| Total Liabilities | $24.24M |
| Total Equity Capital | $14.79M |
| Net Income | $186.00k |
| Net Loans and Leases | $0 |
| Assets Per Employee ($Millions) | $0M |
| Bank Premises and Fixed Assets | $2.00k |
| Cash and Balances due from Depository Institutions | $1.89M |
| Deposits Held in Domestic Offices | $23.67M |
Key Performance Ratios
| Return on Assets (ROA) | 2.01% |
| Return on Equity (ROE) | 5.07% |
| Net Interest Margin | 4.67% |
| Efficiency Ratio | 12.4% |
| Tier 1 Risk-Based Capital Ratio | 82.955% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 37.892% |
| Earning Assets to total Assets | 58.65% |
Income and Expense
| Total Interest Income | $293.00k |
| Total Noninterest Income | $0 |
| Total Interest Expense | $35.00k |
| Total Noninterest Expense | $32.00k |
| Net Interest Income | $258.00k |
| Pre-tax Net Operating Income | $226.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $575.00k |
| Total Liabilities and Capital | $39.03M |
Securities
| Securities | $22.88M |
| Available-for-sale debt securities | $22.88M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of GS&L Municipal Bank?
$39.03M as of the latest filing.
How much are GS&L Municipal Bank's total deposits?
$23.67M in total deposits.
Where is GS&L Municipal Bank located?
Gouverneur, NY.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
4.
When was it established?
09/16/2022.
What is the Return on Assets (ROA)?
2.01%.
How much are total loans and leases?
$0 (latest filing).
What is the total interest income (latest filing)?
$293.00k.