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GS&L Municipal Bank

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GS&L Municipal Bank Rates & Review June 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: June 4, 2026

You can compare GS&L Municipal Bank rates to other rates in our database, including 12-month CD rates currently at 3.45%, 6-month CD rates at 3.15% and 3-month CD rates at 3.75%. Savings rates are at 0.05% and money market rates are at 1.26%. Mortgage rates on 30-year fixed loans are around 5.68%. All these rates can be compared to GS&L Municipal Bank rates. 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%. Rates were last updated on 06/04/2026.

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.

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

GS&L Municipal Bank

42 Church St
Gouverneur, NY 13642

Current Rate Availability

We do not have GS&L Municipal Bank rates right now, but we are constantly updating our database so check back often for updated rates.

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

Institution Name GS&L Municipal Bank

Bank Holding Company GOUVERNEUR BCORP INC

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

Website N/A

FDIC Certificate # 59312

Established 09/16/2022

FDIC Insurance Date 09/16/2022

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.5333%

Return on Equity (ROE) 6.9800%

Non-Performing Loans (NPL) 0.00%

Total Assets $39,035,000

Total Deposits $23,669,000

Equity Capital $14,791,000

Net Income $760,000

Headquarters Gouverneur

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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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.