Gnbank, N.A. dba Gnbank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gnbank, N.A. dba Gnbank, N.A. of Girard, KS against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.46% | +0.21% | 75th top |
| ROAE | 14.22% | 12.69% | +1.53% | 65th above |
| Net Interest Margin | 4.16% | 3.85% | +0.31% | 77th top |
| Efficiency Ratio | 50.66% | 57.40% | -6.74% | 74th above |
| PPNR / Avg Assets | 2.15% | 1.88% | +0.27% | 76th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.71% | 5.72% | -0.01% | 60th above |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 75th top |
| Net Interest Spread | 3.89% | 3.18% | +0.71% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 1.00% | -0.86% | 85th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 33rd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.31% | -0.06% | 64th above |
| ACL / NPLs (Coverage) | 880.64% | 564.23% | +316.41% | 89th top |
| Texas Ratio | 1.03% | 7.39% | -6.36% | 87th top |
| Provision / NCO | 96.94% | 618.80% | -521.86% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.56% | 11.44% | +0.12% | 71st above |
| Equity / Assets | 12.22% | 11.33% | +0.89% | 78th top |
| TCE / Tangible Assets | 11.00% | 10.50% | +0.50% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.73% | 86.95% | -1.22% | 57th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.27% | 85.55% | +2.72% | 48th below |
| Wholesale Funding Ratio | 6.64% | 5.70% | +0.94% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.08% | 9.68% | -2.60% | 62nd above |
| Loan Growth (Y/Y) | 14.95% | 8.06% | +6.89% | 86th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.70% | 7.88% | -0.18% | 65th above |
See Gnbank, N.A. dba Gnbank, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gnbank, N.A. dba Gnbank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gnbank, N.A. dba Gnbank, N.A. profile, how to read a UBPR, or how this data updates.