☰

Home›
Banks›
GS&L Municipal Bank

iAdvertiser Disclosure

GS&L Municipal Bank Rates & Review October 2026

Q: How many branches does GS&L Municipal Bank operate?

GS&L Municipal Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, GS&L Municipal Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GS&L Municipal Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 16, 2026

GS&L Municipal Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.91%, 6-month CD rates at 2.74% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not GS&L Municipal Bank, and you can see how they compare in the GS&L Municipal Bank rate tables below. MonitorBankRates evaluates the financial stability of GS&L Municipal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 10/16/2026.

GS&L Municipal Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at GS&L Municipal Bank? Share your experience about GS&L Municipal Bank by leaving a review below, or read customer reviews before you decide to use GS&L Municipal Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

GS&L Municipal Bank

42 Church St
Gouverneur, NY 13642

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for GS&L Municipal Bank, but our database is updated constantly, so check back soon for the latest offers.

Are you with GS&L Municipal Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

GS&L Municipal Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$32M	0.00%	5.0	A+
March 31, 2026	$37M	0.00%	5.0	A+
December 31, 2025	$39M	0.00%	5.0	A+
September 30, 2025	$35M	0.00%	5.0	A+
June 30, 2025	$38M	0.00%	5.0	A+
March 31, 2025	$39M	0.00%	5.0	A+
December 31, 2024	$35M	0.00%	5.0	A+
September 30, 2024	$36M	0.00%	5.0	A+
June 30, 2024	$31M	0.00%	5.0	A+
March 31, 2024	$39M	0.00%	5.0	A+
December 31, 2023	$34M	0.00%	5.0	A+
September 30, 2023	$34M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for GS&L Municipal Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather GS&L Municipal Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with GS&L Municipal Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name GS&L Municipal Bank

Website N/A

Address 42 Church St, Gouverneur, NY 13642 · St. Lawrence

Bank Holding Company GOUVERNEUR BCORP INC

FDIC Certificate # 59312

Regulator FDIC

Established September 16, 2022

FDIC Insurance Date September 16, 2022

Domestic Offices 4

Total Branches 4

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.8492%

Return on Equity (ROE)

4.4600%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$31,631,000

Total Deposits

$16,016,000

Equity Capital

$14,976,000

Net Income

$332,000

Headquarters

Gouverneur

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

GS&L Municipal Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/gsandl-municipal-bank-rates-review-59312">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for GS&L Municipal Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for GS&L Municipal Bank

Frequently Asked Questions About GS&L Municipal Bank

How many branches does GS&L Municipal Bank operate?

GS&L Municipal Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, GS&L Municipal Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, GS&L Municipal Bank provides members with tools to manage their accounts and build a solid financial history.

Does GS&L Municipal Bank offer online and mobile banking?

Most modern institutions like GS&L Municipal Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.