Goppert State Service Bank
Garnett, KS · Cert 17317 · Peer group: banks under $1B in assets in KS (n=98) · Goppert Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 9 branches (14 in holding)
Q2 2026
$345.3MAssets
$261.3MLoans
$311.6MDeposits
$32.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in KS (rank 12 of 98).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in KS (rank 94 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.45%
Rank 33 of 98
Net Interest Margin
4.31%
Rank 12 of 98
Efficiency Ratio
52.19%
Rank 26 of 98
Equity / Assets
9.29%
Rank 67 of 98
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 74% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 1.03% | 1.24% | 1.54% | Beats 66% | 33 / 98 | | |
| Return on Equity | 15.58% | 8.85% | 11.58% | 14.73% | Beats 79% | 21 / 98 | | |
| Net Interest Margin | 4.31% | 3.24% | 3.62% | 3.91% | Beats 88% | 12 / 98 | | |
| Efficiency Ratio | 52.19% | 51.87% | 58.88% | 64.74% | Beats 74% | 26 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.01% | 0.33% | 1.05% | Beats 17% | 82 / 98 | | |
| Net Charge-Offs / Loans | 0.27% | n/a | 0.00% | 0.03% | Beats 6% | 93 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 9.28% | 11.81% | 13.71% | 17.33% | Beats 4% | 94 / 98 | | |
| Total Risk-Based Capital Ratio | 9.28% | 11.81% | 14.13% | 17.45% | Beats 4% | 94 / 98 | | |
| Equity / Assets | 9.29% | 8.60% | 11.34% | 13.10% | Beats 32% | 67 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.83% | 57.09% | 69.84% | 82.47% | 79th pctl | 21 / 98 | | |
| Loans / Assets | 75.65% | 49.34% | 58.31% | 68.94% | 91st pctl | 9 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |