GNBANK, NATIONAL ASSOCIATION DBA GNBANK, N.A.

GIRARD, KS | Large | Est. July 1, 1929, midnight | FDIC #4673 | RSSD #928056 | OCC
Latest Report: 2025-12-31

GNBANK, NATIONAL ASSOCIATION DBA GNBANK, N.A. is aln large FDIC-insured commercial bank headquartered in GIRARD, KS, established in July 1, 1929, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $823M. Profitability stands at 1.28% ROA and 10.23% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 9.80%. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.35%. FDIC Certificate #4673.

Assets

$1.0B

Deposits

$823M

Loans

$708M

Equity

$127M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 10.23%
Net Interest Margin (NIM) 4.38%
Yield on Assets 6.02%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.35%
NPA Ratio 0.18%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 9.80%
Tier 1 Capital 9.80%
Total Capital Ratio 10.29%
Leverage Ratio 12.24%
Loan-to-Deposit 85.98%

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