How Big Is Gs&L Municipal Bank?
Gs&L Municipal Bank holds $31M in total assets and $17M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,855th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Gs&L Municipal Bank's latest FDIC call report (cert #59312); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is Gs&L Municipal Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Gs&L Municipal Bank Size at a Glance
- Total assets
- $31M
- Total deposits
- $17M
- Domestic deposits
- $17M
- Size class
- small bank
- Rank by assets
- #3,855 of 3,960
- Headquarters
- Gouverneur, New York
Source: FDIC Call Report data (cert #59312). Figures reflect the latest reported quarter.
With $31M in total assets, Gs&L Municipal Bank is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,855th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $17M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 152.56% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 85.88% | 100/100 |
| Return on Assets | 2.86% | 100/100 |
| Total Assets | $0.0B | |
How does Gs&L Municipal Bank compare?
With a Bank Health Score of 100/100, Gs&L Municipal Bank sits 30.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Gs&L Municipal Bank ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 152.56% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Gs&L Municipal Bank's Bank Health Score held roughly steady at 100/100. Tier 1 capital weakened by 93.26 percentage points to 152.56%.
Frequently Asked Questions
Gs&L Municipal Bank holds $31M in total assets and $17M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,855th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Gs&L Municipal Bank's latest FDIC call report (cert #59312); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
Gs&L Municipal Bank ranks 3,855th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $31M in assets classify it as a small bank.
Gs&L Municipal Bank reports $31M in total assets and $17M in total deposits ($17M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Gs&L Municipal Bank earns a Bank Health Score of 100/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $31M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Gs&L Municipal Bank (FDIC certificate #59312) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Gs&L Municipal Bank
Gs&L Municipal Bank holds $31M in total assets and $17M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,855th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Gs&L Municipal Bank's latest FDIC call report (cert #59312); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.