GN Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 5.17 percentage points in Q2 2026, from 41.13% to 46.30%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, GN Bank is 138th of 323 on return on assets, 1.30% as of Q2 2026, above the middle of the field. GN Bank reported 1.30% on return on assets for Q2 2026, 0.31 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.06% |
| Equity capital to assets | 15.19% |
| Tangible equity to tangible assets | 15.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 13.11% |
| Non-performing assets ratio | 5.91% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 37.94% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 6.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 8.80% |
| Net interest margin | 3.87% |
| Efficiency ratio | 73.63% |
| Yield on earning assets | 4.78% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.56% |
| Core deposits to total deposits | 93.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.63% |
| Securities to assets | 46.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.27% | 19.27% | 20.52% | 13.23% | -4.89% |
| Q4 2023 | 21.40% | 21.40% | 22.65% | 13.70% | 1.40% |
| Q1 2024 | — | — | — | 14.37% | 0.84% |
| Q2 2024 | — | — | — | 14.36% | 0.22% |
| Q3 2024 | — | — | — | 14.09% | -0.46% |
| Q4 2024 | — | — | — | 14.31% | 0.90% |
| Q1 2025 | — | — | — | 14.70% | 0.33% |
| Q2 2025 | — | — | — | 14.65% | 0.02% |
| Q3 2025 | — | — | — | 14.71% | 0.33% |
| Q4 2025 | — | — | — | 15.07% | 1.08% |
| Q1 2026 | — | — | — | 15.07% | -0.79% |
| Q2 2026 | — | — | — | 16.06% | 1.30% |
GN Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock GN Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full GN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29399) · FFIEC NIC profile (RSSD 250476)