Gnbank, N.A. dba Gnbank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.3% to $4.1M. Gnbank, N.A. dba Gnbank, N.A. ranks 64th of 182 Kansas banks on net interest margin, in the upper half at 4.16% (Q2 2026). Gnbank, N.A. dba Gnbank, N.A. reported 4.16% on net interest margin for Q2 2026, 0.45 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 7.24% |
| Yield on securities | 1.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 2.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $3.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.78% | 1.37% | 3.34% | 6.40% | 1.66% |
| Q4 2023 | 4.97% | 1.54% | 3.36% | 6.63% | 1.61% |
| Q1 2024 | 5.02% | 1.70% | 3.28% | 6.75% | 1.76% |
| Q2 2024 | 5.29% | 1.78% | 3.49% | 7.02% | 1.73% |
| Q3 2024 | 5.54% | 1.94% | 3.58% | 7.23% | 1.83% |
| Q4 2024 | 5.51% | 1.89% | 3.63% | 7.16% | 1.81% |
| Q1 2025 | 5.55% | 1.74% | 3.81% | 7.11% | 1.65% |
| Q2 2025 | 5.49% | 1.67% | 3.88% | 7.23% | 1.39% |
| Q3 2025 | 5.56% | 1.67% | 3.96% | 7.27% | 1.40% |
| Q4 2025 | 5.68% | 1.62% | 4.14% | 7.25% | 1.43% |
| Q1 2026 | 5.57% | 1.57% | 4.06% | 7.02% | 1.42% |
| Q2 2026 | 5.71% | 1.60% | 4.16% | 7.24% | 1.46% |
Gnbank, N.A. dba Gnbank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gnbank, N.A. dba Gnbank, N.A., freeSource: Call Report Schedules RI and RC-K, 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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