Gnbank, N.A. dba Gnbank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.21 percentage points lower than in Q1 2026, at 58.50%. Gnbank, N.A. dba Gnbank, N.A. ranks 53rd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 85.73% (Q2 2026). At 85.73%, Gnbank, N.A. dba Gnbank, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $729.6M |
| Net loans and leases | $720.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.27% |
| Loan-to-deposit ratio | 85.73% |
| Net loans to equity capital | 5.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.79% |
| Multifamily (5+ residential) | 1.60% |
| Commercial and industrial | 17.92% |
| Consumer | 2.15% |
| Credit cards | 0.00% |
| Farm | 18.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.50% |
| Construction concentration (Tier 1 capital + allowance) | 19.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.24% |
| Interest income on loans | $13.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $559.8M | $708.3M | 15.52% | 21.21% | 2.74% |
| Q4 2023 | $589.3M | $719.2M | 14.58% | 20.49% | 2.58% |
| Q1 2024 | $583.1M | $772.7M | 15.94% | 20.16% | 2.60% |
| Q2 2024 | $586.3M | $764.1M | 15.82% | 19.31% | 2.61% |
| Q3 2024 | $588.7M | $761.1M | 15.88% | 19.98% | 2.57% |
| Q4 2024 | $632.4M | $774.4M | 14.78% | 19.19% | 2.46% |
| Q1 2025 | $615.0M | $781.6M | 15.98% | 19.74% | 2.41% |
| Q2 2025 | $634.7M | $790.2M | 15.59% | 20.82% | 2.31% |
| Q3 2025 | $648.5M | $785.5M | 15.50% | 21.34% | 2.27% |
| Q4 2025 | $707.9M | $823.3M | 14.46% | 19.33% | 2.15% |
| Q1 2026 | $715.8M | $870.6M | 14.33% | 19.26% | 2.13% |
| Q2 2026 | $729.6M | $851.1M | 12.79% | 17.92% | 2.15% |
Gnbank, N.A. dba Gnbank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gnbank, N.A. dba Gnbank, N.A., freeSource: Call Report Schedule RC-C, 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 Gnbank, N.A. dba Gnbank, N.A. profile, peer group comparison, or how this data updates.
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