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BankSonar

GS&L Municipal Bank

Gouverneur, NY · State, non-member commercial bank

57

Sonar Score

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out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

Key figures

Total assets
$37.1M
Total deposits
$21.5M
Branches
4
Return on assets
1.90%
Return on equity
4.87%
Charter type
State, non-member commercial bank
Established
2022
FDIC cert #
59312

How the 57 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Positive but moderate equity returns.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at GS&L Municipal Bank

GS&L Municipal Bank is an FDIC-insured institution (Cert #59312). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

4 branch locations

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

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