Goppert State Service Bank
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Data as of · sourced from FFIEC call reports. How we update
Goppert State Service Bank is an FDIC-insured commercial bank headquartered in Garnett, KS, established in 1899 (FDIC certificate 17317), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $345.3M, up 9.4% from Q2 2025, the 61st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.28% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17317
- Headquarters
- Garnett, KS
- Established
- 1899
- Total assets, Q2 2026
- $345.3M
- Assets vs Q2 2025
- +9.4%
- Tier 1 leverage ratio, Q2 2026
- 9.28%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 101102221
- Latest call report
- Q2 2026, FFIEC 051 · Goppert State Service Bank call report
- Holding company
- GOPPERT FINANCIAL CORP.
- Asset rank in state
- 61st of 182 in Kansas
Goppert State Service Bank, based in Garnett, Kansas, reported $345 million in assets at June 30, 2026, up 9.4% from a year earlier. It carries problem assets equal to 15.4% of the capital and reserves that would absorb them, 5.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans equal to only 25% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.2 million, 53% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.74% of loans, down from 2.46% a year earlier. Where it has less room is capital: it funds 9.28% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Goppert State Service Bank reported a return on assets of 1.44%, a nonperforming-loan ratio of 1.74% and a Texas ratio of 15.35%. The figures come from its call report filed with the FFIEC.
Goppert State Service Bank ranks as the 61st largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $345.3M, loans fell 1.3% and deposits rose 0.6%. 1-4 family residential loans made up 29.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.6%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in KS; its Garnett 2 offices book 39% of its branch deposits. On its Q2 2026 call report, Goppert State Service Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 E 5th Ave, Garnett, KS 66032
- County
- Anderson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- July 11, 1899
- Former names
- Garnett State Savings Bank (1978-2012)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $311.6M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $616K
- Average total assets
- $346.4M
- Average total loans
- $264.6M
- Average interest-bearing deposits
- $252.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 12, 1954
- FDIC Cert
- 17317
- Fed RSSD
- 850456
- Website
- http://www.gssb.us.com →
- Parent Holding Company
- GOPPERT FINANCIAL CORP. (RSSD 1051380)
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, Goppert State Service Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Goppert State Service Bank's total assets ranged from $265.2M (Q3 2023) to $345.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$345.3M total assets against $315.8M; $313.3M total liabilities against $287.3M.
$257.6M net loans and leases against $246.3M; $311.6M total deposits against $282.8M.
$27.9M securities against $18.0M; $50.3M cash and balances due against $41.9M.
$5.3M total interest income against $4.9M; $1.5M total interest expense against $1.5M.
$3.8M net interest income against $3.4M.
$133K total noninterest income against $20K; $2.1M total noninterest expense against $2.0M.
$225K provision for credit losses against $400K.
$1.2M net income against $813K.
1.44% return on assets against 1.04%; 4.52% net interest margin against 4.50%.
9.28% tier 1 leverage ratio against 9.06%.
Inside the full Goppert State Service Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGoppert State Service Bank rankings
Its closest position to the top of a national ranking is 297 of 3,640, for Texas Ratio; its furthest is 2,260 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q4 2024) to 1.51% (Q1 2026) and its net interest margin ran from 4.42% (Q1 2025) to 4.80% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.28% | 1.44% | 1.74% | 15.35% | 4.52% |
| Q1 2026 | 9.40% | 1.51% | 1.84% | 16.90% | 4.55% |
| Q4 2025 | 9.48% | 1.40% | 1.99% | 18.71% | 4.80% |
| Q3 2025 | 9.33% | 1.15% | 2.57% | 23.01% | 4.53% |
| Q2 2025 | 9.06% | 1.04% | 2.46% | 23.60% | 4.50% |
| Q1 2025 | 9.15% | 1.22% | 2.59% | 25.21% | 4.42% |
| Q4 2024 | 9.12% | 0.71% | 2.61% | 25.62% | 4.59% |
| Q3 2024 | 9.24% | 0.80% | 3.30% | 26.87% | 4.46% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Goppert State Service Bank (main office) | Garnett , KS | 66032 | $108.1M |
| Farmers Bank, A Branch of Goppert State Service Bank | Girard , KS | 66743 | $49.6M |
| St. Paul Branch | St. Paul , KS | 66771 | $36.8M |
| State Bank of Colony Branch | Colony , KS | 66015 | $27.0M |
| Pomona Branch | Pomona , KS | 66076 | $23.6M |
| Walnut Branch | Walnut , KS | 66780 | $23.1M |
| North Ottawa Branch | Ottawa , KS | 66067 | $22.7M |
| Garnett Branch | Garnett , KS | 66032 | $13.6M |
| Hepler Branch | Hepler , KS | 66746 | $7.1M |
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 |
|---|---|---|---|
| December 15, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2012 | Structure Change | Acquired Farmers National Bank of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2009 | Structure Change | Acquired The Citizens State Bank of Pomona Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2006 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 74 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Goppert State Service Bank
What are Goppert State Service Bank's total assets?
As of the Q2 2026 filing, Goppert State Service Bank reported total assets of $345.3 million in its FFIEC call report.
Where is Goppert State Service Bank headquartered?
It is headquartered in Garnett, KS, United States.
When was Goppert State Service Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Goppert State Service Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Goppert State Service Bank?
Goppert State Service Bank's primary federal regulator is the FDIC.
How many branches does Goppert State Service Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Goppert State Service Bank's Texas Ratio?
Its Texas Ratio is 15.35% 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 Goppert State Service Bank previously called?
The charter now named Goppert State Service Bank has also operated as Garnett State Savings Bank (1978-2012), per FDIC structure-change records.
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