GS&L Municipal Bank

GS&L Municipal Bank is a currently active other specialized under 1 billion banking institution headquartered in Gouverneur, New York. Established in 09/16/2022, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, GS&L Municipal Bank manages $37.1M in total assets and holds $21.5M in customer deposits. When evaluating the stability of GS&L Municipal Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 40.29%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.90%, while its Return on Equity (ROE) sits at 4.87%. These robust metrics contribute to an overall health score of 8.5 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.