Goppert State Service Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Garnett, KS, Goppert State Service Bank serves its local market as an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $345M in assets, including $261M in loans. Returns are notably above industry norms: 1.44% ROA, 15.80% ROE, and 4.52% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.28% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 1.51%. It operates 9 branches, primarily in Kansas.
As of June 30, 2026, Goppert State Service Bank reported a Tier 1 leverage ratio of 9.28%, a return on assets of 1.44%, a nonperforming-loan ratio of 1.51%, a Texas ratio of 15.35%, per financial data filed with the FFIEC.
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)
- Offices
- 9 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Goppert State Service Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.28% | 1.44% | 1.51% | 15.35% | 4.52% |
| Q1 2026 | 9.40% | 1.51% | 1.78% | 16.90% | 4.55% |
| Q4 2025 | 9.48% | 1.40% | 1.75% | 18.71% | 4.80% |
| Q3 2025 | 9.33% | 1.15% | 2.29% | 23.01% | 4.53% |
| Q2 2025 | 9.06% | 1.04% | 2.13% | 23.60% | 4.50% |
| Q1 2025 | 9.15% | 1.22% | 2.29% | 25.21% | 4.42% |
| Q4 2024 | 9.12% | 0.71% | 2.57% | 25.62% | 4.59% |
| Q3 2024 | 9.24% | 0.80% | 3.05% | 26.87% | 4.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| 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
What the public regulatory sources show for Goppert State Service Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KS, rank 74 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Goppert State Service Bank headquartered?
Goppert State Service Bank is headquartered in Garnett, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Goppert State Service Bank founded?
Goppert State Service Bank was established in 1899, per the FDIC institution directory.
Is Goppert State Service Bank FDIC-insured?
Yes. Goppert State Service Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Goppert State Service Bank operate?
Goppert State Service Bank 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?
Goppert State Service Bank's Texas Ratio is 15.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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