Gnbank, N.A. dba Gnbank, N.A.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 439.16 percentage points higher than in Q1 2026, at 880.64%. Gnbank, N.A. dba Gnbank, N.A. ranks 58th of 182 Kansas banks on return on assets, in the upper half at 1.67% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Gnbank, N.A. dba Gnbank, N.A. sits 0.39 points higher, at 1.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.56% |
| Equity capital to assets | 12.22% |
| Tangible equity to tangible assets | 11.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 1.03% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 880.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 14.22% |
| Net interest margin | 4.16% |
| Efficiency ratio | 50.66% |
| Yield on earning assets | 5.71% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.73% |
| Core deposits to total deposits | 88.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.80% |
| Securities to assets | 25.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.25% | 0.64% | 3.34% | 0.65% | 0.03% |
| Q4 2023 | 10.59% | 1.39% | 3.36% | 0.59% | 0.02% |
| Q1 2024 | 10.71% | 0.61% | 3.28% | 0.64% | 0.01% |
| Q2 2024 | 10.85% | 0.75% | 3.49% | 0.36% | 0.02% |
| Q3 2024 | 11.28% | 1.31% | 3.58% | 0.27% | -0.02% |
| Q4 2024 | 11.32% | 0.80% | 3.63% | 0.36% | -0.01% |
| Q1 2025 | 11.63% | 1.13% | 3.81% | 0.19% | 0.16% |
| Q2 2025 | 11.90% | 1.35% | 3.88% | 0.19% | -0.14% |
| Q3 2025 | 12.18% | 1.37% | 3.96% | 0.49% | -0.02% |
| Q4 2025 | 12.24% | 1.27% | 4.14% | 0.26% | 0.18% |
| Q1 2026 | 11.49% | 1.33% | 4.06% | 0.28% | 0.03% |
| Q2 2026 | 11.56% | 1.67% | 4.16% | 0.14% | 0.08% |
Gnbank, N.A. dba Gnbank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gnbank, N.A. dba Gnbank, N.A., 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 Gnbank, N.A. dba Gnbank, N.A. profile, peer group comparison, or how this data updates.
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