GS&L Municipal Bank
Gouverneur, NY · Owner: Gouverneur Bancorp, Inc.
$31.6M
total assets, June 30, 2026
$31.6M
total assets, June 30, 2026
GS&L Municipal Bank is a state nonmember bank based in Gouverneur, NY, owned by Gouverneur Bancorp, Inc. (GOVB). As of June 30, 2026 it held $31.6 million in assets and $16.0 million in deposits; assets were down 15.9% from a year before. It has 4 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$31.6M
-15.9% in a year · -14.6% in a quarter
Deposits
$16.0M
-30.1% in a year · -25.6% in a quarter
Loans
$0
vs a year before: -
Profit so far
$332K
Jan 1 to Jun 30, 2026 · -12.9% in a year
Capital ratio
44.48%
+7.33 pts in a year
Return on assets
1.85%
-0.20 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 42 Church St, Gouverneur, NY, 13642
- County
- St. Lawrence
- Holding company
- Gouverneur Bancorp, Inc. (GOVB)
- Established
- Sep 16, 2022
- Branches
- 4
- Id
- b59312
Quarter by quarter
September 30, 2022 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
4 offices as of June 30, 2026, holding $16.0 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| New York | 4 | $16.0M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Alexandria Bay Branch | Alexandria Bay, NY | $9.3M |
| Cape Vincent Branch | Cape Vincent, NY | $3.7M |
| Chaumont Branch | Chaumont, NY | $3.0M |
| Gs&L Municipal Bank (main office) | Gouverneur, NY | $71K |
Related pages
Questions and answers
How big is GS&L Municipal Bank?
$31.6 million in total assets and $16.0 million in deposits as of June 30, 2026, with assets down 15.9% from a year before. Its loans were $0.
How many branches does GS&L Municipal Bank have?
4 branches in New York as of June 30, 2026.
Is GS&L Municipal Bank profitable?
Yes: it earned $332,000 from January 1 to June 30, 2026 (down 12.9% from the same months a year before). Its return on assets was 1.85% a year; about 1% is typical.
Who owns GS&L Municipal Bank?
GS&L Municipal Bank is owned by Gouverneur Bancorp, Inc., its holding company, which is listed as GOVB.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.