GSL Savings Bank
Guttenberg, NJ
IDRSSD: 564678
Total Assets
$149.10M
Latest filing
Total Deposits
$118.27M
Latest filing
Net Interest Margin
2.63%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
GSL Savings Bank
6823 Bergenline Ave
Guttenberg, NJ 07093
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1907FDIC Certificate 41542
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| GSL Savings Bank (Main) | 6823 Bergenline Ave | Guttenberg, NJ |
| 215 BERGEN BOULEVARD BRANCH | 215 Bergen Blvd | Fairview, NJ |
Showing 1 of 1
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 07093 |
| State and County Number | 34017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.gslsavingsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 28708 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $149.10M |
| Total Deposits | $118.27M |
| Total Liabilities | $137.76M |
| Total Equity Capital | $11.35M |
| Net Income | $-11,000 |
| Net Loans and Leases | $117.57M |
| Assets Per Employee ($Millions) | $8.77M |
| Bank Premises and Fixed Assets | $1.06M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $118.27M |
Key Performance Ratios
| Return on Assets (ROA) | -0.03% |
| Return on Equity (ROE) | -0.39% |
| Net Interest Margin | 2.63% |
| Efficiency Ratio | 99.9% |
| Tier 1 Risk-Based Capital Ratio | 11.713% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.61% |
| Earning Assets to total Assets | 96.5% |
Income and Expense
| Total Interest Income | $1.93M |
| Total Noninterest Income | $30.00k |
| Total Interest Expense | $955.00k |
| Total Noninterest Expense | $1.00M |
| Net Interest Income | $971.00k |
| Pre-tax Net Operating Income | $-15,000 |
| Provision for Credit Losses | $16.00k |
| 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 | $18.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $685.00k |
| Total Liabilities and Capital | $149.10M |
Securities
| Securities | $13.11M |
| Available-for-sale debt securities | $13.11M |
| 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 GSL Savings Bank?
$149.10M as of the latest filing.
How much are GSL Savings Bank's total deposits?
$118.27M in total deposits.
Where is GSL Savings Bank located?
Guttenberg, NJ.
What is the Net Interest Margin?
2.63%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
-0.03%.
How much are total loans and leases?
$117.57M (latest filing).
What is the total interest income (latest filing)?
$1.93M.