Gs&L Municipal Bank
Gs&L Municipal Bank is a bank based in Gouverneur, New York, established in 2022, with $37 million in total assets across 4 branches. By Trust Grade it ranks 20th of 118 banks we track in New York. Its capital ratio of 40.3% is stronger than 95% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.90% return on assets. No consumer complaints against Gs&L Municipal Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gs&L Municipal Bank compares to New York peers
How we graded Gs&L Municipal Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (40.3% capital ratio)
- Strongly profitable (ROA 1.90%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gs&L Municipal Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 42 Church St, Gouverneur, NY 13642
- 12084 Nys Route 12e, Chaumont, NY 13622
- 154 E Broadway Street, Cape Vincent, NY 13618
- 15 State Route 12, Alexandria Bay, NY 13607
Are deposits at Gs&L Municipal Bank insured?
Yes. Gs&L Municipal Bank is an FDIC-insured bank (FDIC certificate #59312). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gs&L Municipal Bank: frequently asked questions
Is Gs&L Municipal Bank a good bank?
Gs&L Municipal Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (40.3% capital ratio); Strongly profitable (ROA 1.90%).
Is Gs&L Municipal Bank FDIC-insured?
Yes. Gs&L Municipal Bank is a FDIC-insured bank (FDIC certificate #59312). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Gs&L Municipal Bank?
Gs&L Municipal Bank holds $37 million in total assets, ranking 20th of 118 banks we track in New York. It operates 4 branches.
Does Gs&L Municipal Bank have CFPB complaints?
No CFPB complaints against Gs&L Municipal Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
