Gsl Savings Bank
Guttenberg, New Jersey · FDIC Cert #28708
Gsl Savings Bank is an FDIC-insured bank (Certificate #28708) with $159M in total assets and $137M in total deposits as of the Q2 2024 Call Report. Headquartered in Guttenberg, New Jersey, the bank maintains a Tier 1 capital ratio of 12.80% (Well-Capitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Gsl Savings Bank (FDIC cert 28708) is a community bank — $159M in total assets, $137M in deposits, serving the Guttenberg, New Jersey area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.80% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -0.54% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Gsl Savings Bank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Gsl Savings Bank
- Total Assets
- $159M
- Total Deposits
- $137M
- Tier 1 Capital Ratio
- 12.80%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 22.40%
- Return on Assets
- -0.54%
- Headquarters
- Guttenberg, New Jersey
- FDIC Certificate
- #28708
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Gsl Savings Bank holds a Tier 1 capital ratio of 12.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Gsl Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Gsl Savings Bank shows strong financial health indicators. With $159M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Gsl Savings Bank Compares
Gsl Savings Bank’s Health Score of 76 is 4 points above the New Jersey state average of 72 across 48 FDIC-insured banks. Its 12.80% Tier 1 capital ratio is 1.2 points below the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.54% is below the national ROA benchmark of ~1.1%. Among 1420 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Gsl Savings Bank is 6 points above the portfolio average of 70.
Frequently Asked Questions
Gsl Savings Bank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Gsl Savings Bank's Tier 1 capital ratio of 12.80% and nonperforming loan ratio of 0.03% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Gsl Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28708). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Gsl Savings Bank holds $159M in total assets and $137M in total deposits. It is headquartered in Guttenberg, New Jersey (FDIC Certificate #28708).
Gsl Savings Bank has a Tier 1 capital ratio of 12.80%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is -0.54%.
Yes. Gsl Savings Bank is FDIC-insured (Certificate #28708). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Gsl Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.