Gnbank, N.A. dba Gnbank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Gnbank, N.A. dba Gnbank, N.A. is an FDIC-insured commercial bank headquartered in Girard, KS, established in 1929 (FDIC certificate 4673), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.05B, up 7.1% from Q2 2025, the 19th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4673
- Headquarters
- Girard, KS
- Established
- 1929
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +7.1%
- Tier 1 leverage ratio, Q2 2026
- 11.56%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 101112842
- Latest call report
- Q2 2026, FFIEC 051 · Gnbank, N.A. dba Gnbank, N.A. Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- GN BANKSHARES, INC.
- Asset rank in state
- 19th of 182 in Kansas
Gnbank, N.A. dba Gnbank, N.A., based in Girard, Kansas, reported $1.1 billion in assets at June 30, 2026, up 7.1% from a year earlier. It holds commercial real estate loans worth 0.6 times its capital, a small fraction of the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 0.9% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $4.5 million, 35% above the same quarter a year earlier. Over the same year, loans grew 15.0% and deposits grew 7.7%.
As of June 30, 2026, Gnbank, N.A. dba Gnbank, N.A. reported a return on assets of 1.67%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.88%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Gnbank, N.A. dba Gnbank, N.A. is the 19th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $1.05B, loans rose 1.9% and deposits fell 2.2%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 29.7% of total loans, ahead of farmland and other real estate loans at 18.8%. Its 15 offices in the FDIC Summary of Deposits are in 13 cities across 2 states; its Girard 2 offices book 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, Gnbank, N.A. dba Gnbank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Forest Ave, Girard, KS 66743
- County
- Crawford
- Metro Area
- Pittsburg, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1929
- Former names
- GNBank, National Association (2018)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 151
- Domestic deposits
- $851.1M
- Allowance for credit losses
- $9.1M
- Net charge-offs (YTD)
- $196K
- Average total assets
- $1.08B
- Average total loans
- $718.3M
- Average interest-bearing deposits
- $908.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4673
- Fed RSSD
- 928056
- Website
- www.gn-bank.com →
- Parent Holding Company
- GN BANKSHARES, INC. (RSSD 1064915)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Gnbank, N.A. dba Gnbank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Gnbank, N.A. dba Gnbank, N.A.'s total assets ran between $966.9M (Q1 2025) and $1.07B (Q1 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
$1.05B total assets against $983.6M; $924.6M total liabilities against $865.1M.
$720.5M net loans and leases against $625.7M; $851.1M total deposits against $790.2M.
$267.1M securities against $280.9M; $25.2M cash and balances due against $35.7M.
$14.9M total interest income against $13.1M; $4.1M total interest expense against $3.9M.
$10.9M net interest income against $9.3M.
$894K total noninterest income against $918K; $6.0M total noninterest expense against $5.8M.
$1K provision for credit losses against $196K.
$4.5M net income against $3.3M.
1.67% return on assets against 1.35%; 4.16% net interest margin against 3.88%.
11.56% tier 1 leverage ratio against 11.90%.
Inside the full Gnbank, N.A. dba Gnbank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGnbank, N.A. dba Gnbank, N.A. rankings
Its closest position to the top of a national ranking is 816 of 3,606, for efficiency ratio; its furthest is 2,745 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q4 2024) to 1.67% (Q2 2026) and its net interest margin ran from 3.58% (Q3 2024) to 4.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.56% | 1.67% | 0.13% | 0.88% | 4.16% |
| Q1 2026 | 11.49% | 1.33% | 0.27% | 1.74% | 4.06% |
| Q4 2025 | 12.24% | 1.27% | 0.33% | 1.94% | 4.14% |
| Q3 2025 | 12.18% | 1.37% | 0.51% | 2.84% | 3.96% |
| Q2 2025 | 11.90% | 1.35% | 0.18% | 1.07% | 3.88% |
| Q1 2025 | 11.63% | 1.13% | 0.13% | 1.17% | 3.81% |
| Q4 2024 | 11.32% | 0.80% | 0.39% | 2.52% | 3.63% |
| Q3 2024 | 11.28% | 1.31% | 0.29% | 1.65% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Girard South Branch | Girard , KS | 66743 | $240.8M |
| Yates Center Branch | Yates Center , KS | 66783 | $101.3M |
| Pittsburg Branch | Pittsburg , KS | 66762 | $89.6M |
| Lamar Branch | Lamar , CO | 81052 | $78.1M |
| Hiawatha Branch | Hiawatha , KS | 66434 | $76.5M |
| Eads Branch | Eads , CO | 81036 | $60.6M |
| Holton Branch | Holton , KS | 66436 | $57.7M |
| Horton Branch | Horton , KS | 66439 | $43.7M |
| Clay Center Branch | Clay Center , KS | 67432 | $36.0M |
| Bucklin Branch | Bucklin , KS | 67834 | $29.3M |
| Offerle Branch | Offerle , KS | 67563 | $21.6M |
| Wetmore Branch | Wetmore , KS | 66550 | $11.4M |
| Arma Branch | Arma , KS | 66712 | $4.4M |
| Holton Branch | Holton , KS | 66436 | $0 |
| Gnbank, National Association | Girard , KS | 66743 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2019 | Structure Change | Acquired The First National Bank of Girard Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 2015 | Structure Change | Acquired University Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2014 | Structure Change | Acquired G.N.B. Mortgage Company Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 2, 2006 | Structure Change | Acquired Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2002 | Structure Change | Acquired Kansas State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1995 | Structure Change | Acquired The Bucklin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 5, 1990 | Structure Change | Acquired Peoples Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 15, 1986 | Structure Change | Acquired State Exchange Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 14, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 34 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 259 applications, 185 loans originated, $37.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Gnbank, N.A. dba Gnbank, N.A.
What are Gnbank, N.A. dba Gnbank, N.A.'s total assets?
As of the Q2 2026 filing, Gnbank, N.A. dba Gnbank, N.A. reported total assets of $1.05 billion in its FFIEC call report.
Where is Gnbank, N.A. dba Gnbank, N.A. headquartered?
It is headquartered in Girard, KS, United States.
When was Gnbank, N.A. dba Gnbank, N.A. founded?
It was established in 1929, per the FDIC institution directory.
Is Gnbank, N.A. dba Gnbank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gnbank, N.A. dba Gnbank, N.A.?
Gnbank, N.A. dba Gnbank, N.A.'s primary federal regulator is the OCC.
How many branches does Gnbank, N.A. dba Gnbank, N.A. operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gnbank, N.A. dba Gnbank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.88% 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.
What was Gnbank, N.A. dba Gnbank, N.A. previously called?
The charter now named Gnbank, N.A. dba Gnbank, N.A. has also operated as GNBank, National Association (2018), per FDIC structure-change records.
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