Emigrant Mercantile Bank vs Gs&L Municipal Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Emigrant Mercantile Bank has a stronger Bank Health Score of 100/100 (A) compared to Gs&L Municipal Bank at 100/100 (A), a difference of 0 points. Emigrant Mercantile Bank holds a Tier 1 capital ratio of 425.61% and an NPL ratio of 0.00%.
| Metric | Emigrant Mercantile Bank | Gs&L Municipal Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 425.6%* | 152.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 100.0%* | 85.9% |
| Return on Assets Profitability metric (above 1% is strong) | 2.9%* | 2.9% |
| Total Assets | $3M | $31M |
| Total Deposits | $500K | $17M |
| Location | New York, New York | Gouverneur, New York |
Emigrant Mercantile Bank has a stronger Bank Health Score of 100/100 (A) compared to Gs&L Municipal Bank at 100/100 (A), a difference of 0 points. Emigrant Mercantile Bank holds a Tier 1 capital ratio of 425.61% and an NPL ratio of 0.00%.