Great American Bank
BankRegReports is independent of Great American Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Great American Bank is an FDIC-insured commercial bank headquartered in Lawrence, KS, established in 2000 (FDIC certificate 35292), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $513.2M, up 1.1% from Q2 2025, the 41st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.97% 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
- 35292
- Headquarters
- Lawrence, KS
- Established
- 2000
- Total assets, Q2 2026
- $513.2M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 10.97%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101114895
- Latest call report
- Q2 2026, FFIEC 051 · Great American Bank call report
- Holding company
- FIRST FINANCIAL BANCSHARES, INC.
- Asset rank in state
- 41st of 182 in Kansas
Great American Bank is one of the more profitable banks of its size. The Lawrence, Kansas bank had $513 million in assets at June 30, 2026, up 1.1% from a year earlier. It earns about $3.27 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 24% from a year earlier, to $4.2 million. Over the same year, loans grew 5.3% and deposits grew 0.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
As of June 30, 2026, Great American Bank reported a return on assets of 3.27%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Great American Bank is the 41st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $513.2M, loans rose 3.2% and deposits rose 1.0%. 1-4 family residential loans made up 29.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.7%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities across 2 states; its Lawrence 2 offices book 63% of its branch deposits. Judged on its Q2 2026 call report, Great American Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 888 New Hampshire St, Lawrence, KS 66044
- County
- Douglas
- Metro Area
- Lawrence, KS
- 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
- —
- Call Report form
- FFIEC 051
- Established
- August 7, 2000
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $421.3M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $514.7M
- Average total loans
- $426.5M
- Average interest-bearing deposits
- $337.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 7, 2000
- FDIC Cert
- 35292
- Fed RSSD
- 2815879
- Website
- http://www.greatambank.com →
- Parent Holding Company
- FIRST FINANCIAL BANCSHARES, INC. (RSSD 3385137)
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, Great American Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Great American Bank's total assets moved between a low of $413.6M (Q1 2024) and a high of $513.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$513.2M total assets against $507.4M; $443.2M total liabilities against $443.0M.
$427.9M net loans and leases against $406.4M; $421.3M total deposits against $417.9M.
$2.9M securities against $3.7M; $56.7M cash and balances due against $71.3M.
$9.4M total interest income against $8.6M; $2.8M total interest expense against $3.0M.
$6.6M net interest income against $5.6M.
$609K total noninterest income against $468K; $2.7M total noninterest expense against $2.5M.
$150K provision for credit losses against $76K.
$4.2M net income against $3.4M.
3.27% return on assets against 2.71%; 5.37% net interest margin against 4.71%.
10.97% tier 1 leverage ratio against 10.17%.
Inside the full Great American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Great American Bank rankings
Its closest position to the top of a national ranking is 52 of 3,611, for ROA; its furthest is 3,409 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.83% (Q4 2024) to 3.27% (Q2 2026) and its net interest margin ran from 4.39% (Q4 2024) to 5.37% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 3.27% | 0.00% | 0.00% | 5.37% |
| Q1 2026 | 10.52% | 2.67% | 0.00% | 0.00% | 4.74% |
| Q4 2025 | 10.55% | 2.40% | 0.00% | 0.00% | 4.79% |
| Q3 2025 | 10.51% | 2.50% | 0.00% | 0.00% | 4.60% |
| Q2 2025 | 10.17% | 2.71% | 0.00% | 0.00% | 4.71% |
| Q1 2025 | 9.62% | 2.54% | 0.00% | 0.00% | 4.40% |
| Q4 2024 | 9.87% | 1.83% | 0.00% | 4.81% | 4.39% |
| Q3 2024 | 11.11% | 2.49% | 0.63% | 4.85% | 4.71% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| West Lawrence Kasold Branch | Lawrence , KS | 66049 | $161.8M |
| Great American Bank (main office) | Lawrence , KS | 66044 | $102.6M |
| De Soto Branch | De Soto , KS | 66018 | $94.3M |
| Kansas City Branch | Kansas City , MO | 64111 | $38.9M |
| Lake Lotawana Branch | Lake Lotawana , MO | 64086 | $23.7M |
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 |
|---|---|---|---|
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired The University National Bank of Lawrence Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2014 | Structure Change | Acquired Great American Bank 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 66 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 123 applications, 109 loans originated, $37.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Great American Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Great American Bank with peers
Frequently asked about Great American Bank
What are Great American Bank's total assets?
As of the Q2 2026 filing, Great American Bank reported total assets of $513.2 million in its FFIEC call report.
Where is Great American Bank headquartered?
It is headquartered in Lawrence, KS, United States.
When was Great American Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Great American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great American Bank?
Great American Bank's primary federal regulator is the FDIC.
How many branches does Great American Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Great American Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
Go deeper on Great American Bank.
Get an email when Great American Bank files its next call report, and benchmark it against any peer you choose.
Unlock Great American Bank, freeFree account