Garden Plain State Bank
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Data as of · sourced from FFIEC call reports. How we update
Garden Plain State Bank is an FDIC-insured commercial bank headquartered in Wichita, KS, established in 1966 (FDIC certificate 19687), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $191.5M, up 15.1% from Q2 2025, the 98th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 25.80% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19687
- Headquarters
- Wichita, KS
- Established
- 1966
- Total assets, Q2 2026
- $191.5M
- Assets vs Q2 2025
- +15.1%
- CET1 ratio, Q2 2026
- 25.80%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101101413
- Latest call report
- Q2 2026, FFIEC 051 · Garden Plain State Bank call report
- Holding company
- GARDEN PLAIN BANCSHARES, INC.
- Asset rank in state
- 98th of 182 in Kansas
Problem loans are rising at Garden Plain State Bank. It reported $191 million in assets at June 30, 2026, up 15.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.00% a year earlier. It spends about 32 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 15.2% over the year, 3.7 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $979,000, 31% above the same quarter a year earlier. Over the same year, loans grew 10.5% and deposits grew 15.2%.
As of June 30, 2026, Garden Plain State Bank reported a CET1 capital ratio of 25.80%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 1.90%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Garden Plain State Bank is the 98th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $191.5M, loans fell 1.3% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.2% of total loans, followed by construction and land development loans at 32.3%. Its 2 offices in the FDIC Summary of Deposits are in Wichita, KS and Garden Plain, KS; its Wichita office books 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Garden Plain State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10526 W Maple St, Wichita, KS 67209
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 21, 1966
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $162.0M
- Allowance for credit losses
- $727K
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $189.8M
- Average total loans
- $58.5M
- Average interest-bearing deposits
- $123.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 17, 1967
- FDIC Cert
- 19687
- Fed RSSD
- 987651
- Website
- http://www.gpsbank.com →
- Parent Holding Company
- GARDEN PLAIN BANCSHARES, INC. (RSSD 1139756)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Garden Plain State Bank's total assets ran between $138.7M (Q4 2023) and $191.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$191.5M total assets against $166.3M; $163.5M total liabilities against $141.9M.
$56.7M net loans and leases against $51.4M; $162.0M total deposits against $140.7M.
$78.4M securities against $64.1M; $45.9M cash and balances due against $40.9M.
$2.3M total interest income against $2.0M; $635K total interest expense against $592K.
$1.6M net interest income against $1.4M.
$282K total noninterest income against $273K; $633K total noninterest expense against $684K.
$40K provision for credit losses against $30K.
$979K net income against $746K.
2.06% return on assets against 1.83%; 3.70% net interest margin against 3.68%.
25.80% CET1 capital ratio against 24.70%; 15.24% tier 1 leverage ratio against 15.92%.
Inside the full Garden Plain State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGarden Plain State Bank rankings
Its closest position to the top of a national ranking is 65 of 3,606, for efficiency ratio; its furthest is 3,021 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.55% (Q4 2025) to 2.06% (Q2 2026) and its net interest margin ran from 3.57% (Q1 2026) to 3.79% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.80% | 2.06% | 0.94% | 1.90% | 3.70% |
| Q1 2026 | 22.07% | 1.75% | 0.00% | 0.00% | 3.57% |
| Q4 2025 | 24.03% | 1.55% | 0.00% | 0.00% | 3.74% |
| Q3 2025 | 23.99% | 1.73% | 0.00% | 0.00% | 3.68% |
| Q2 2025 | 24.70% | 1.83% | 0.00% | 0.00% | 3.68% |
| Q1 2025 | 24.53% | 1.93% | 0.00% | 0.00% | 3.58% |
| Q4 2024 | 24.34% | 1.72% | 0.00% | 0.00% | 3.79% |
| Q3 2024 | 24.10% | 1.83% | 0.00% | 0.00% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Garden Plain State Bank (main office) | Wichita , KS | 67209 | $120.4M |
| Garden Plain Branch | Garden Plain , KS | 67050 | $41.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 119 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 124 applications, 115 loans originated, $29.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Garden Plain State Bank
What are Garden Plain State Bank's total assets?
As of the Q2 2026 filing, Garden Plain State Bank reported total assets of $191.5 million in its FFIEC call report.
Where is Garden Plain State Bank headquartered?
It is headquartered in Wichita, KS, United States.
When was Garden Plain State Bank founded?
It was established in 1966, per the FDIC institution directory.
Is Garden Plain State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Garden Plain State Bank?
Garden Plain State Bank's primary federal regulator is the FDIC.
What is Garden Plain State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Garden Plain State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Garden Plain State Bank's Texas Ratio?
Its Texas Ratio is 1.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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