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Gnbank, National Association Dba Gnbank, N.A.

Girard, KS · Cert 4673 · GN Bankshares Inc.

National charter · OCC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gnbank, National Association Dba Gnbank, N.A.

Girard, KS · Cert 4673 · GN Bankshares Inc.

National charter · OCC · 15 branches

Q2 2026

$1.1BAssets
$729.6MLoans
$851.1MDeposits
$128.7MEquity
Loan mix
69%RE $341.0M28%C&I $137.9M3%Consumer $15.3MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $814.6M4%Noninterest $36.5MQ2 2025Q2 2026

NIM

4.91%Q2 ’245.24%Q2 ’255.40%Q2 ’26+13%+8%

Non-interest income vs. expense

2.31%Q2 ’242.36%Q2 ’252.24%Q2 ’26+1%-4%

Market Position · Topeka, KS · 2026 SOD (annual) · 0.8% share · #21 of 30 inst. · $0.1B of $7.1B

30.6% Crawford
30.9% Brown
92.4% Woodson
15.2% Prowers

Executive Summary

  • Earnings: ROA of 1.52%, up 27 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.13% of loans (-5 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.56%, down 35 bps from a year ago.
  • Funding: loans stand at 85.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+28 bps YoY

Efficiency Ratio (YTD, annualized)

52.74%-595 bps YoY

Tier 1 Leverage Ratio

11.56%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.30%1.29%1.34%1.52%+27 bps
Return on Equity10.80%10.98%10.79%11.10%12.60%+180 bps
Net Interest Margin3.69%3.73%3.77%3.95%3.97%+28 bps
Efficiency Ratio58.69%58.39%59.26%54.85%52.74%-595 bps
Non-Interest Burden2.00%2.01%2.07%2.00%1.92%-8 bps
Growth
Asset Growth (YoY)0.25%0.93%3.90%10.51%7.08%+683 bps
Loan Growth (YoY)8.25%10.16%11.93%16.40%14.95%+670 bps
Deposit Growth (YoY)3.42%3.21%6.32%11.38%7.70%+428 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.51%0.33%0.27%0.13%-5 bps
Net Charge-Offs / Loans0.01%0.00%0.04%0.03%0.05%+5 bps
Allowance / Loans1.42%1.43%1.29%1.24%1.25%-18 bps
Allowance Coverage of NPLs7.7x2.8x3.9x4.7x9.6x+1.8x
Capital
Tier 1 Leverage Ratio11.90%12.18%12.24%11.49%11.56%-35 bps
Total Risk-Based Capital11.90%12.18%12.24%11.49%11.56%-35 bps
Equity / Assets12.05%12.59%12.44%11.65%12.22%+17 bps
Liquidity & Funding
Loans / Deposits80.32%82.55%85.98%82.22%85.73%+541 bps
Liquid Assets / Assets0.17%0.13%0.14%0.11%0.15%-2 bps
CRE / Total Capitaln/a101.15%108.30%115.88%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gnbank, National Association Dba Gnbank, N.A.

Girard, KS · Cert 4673 · Peer group: banks $1B-$10B in assets (n=322-328) · GN Bankshares Inc.

National charter · OCC · 15 branches

Q2 2026

$1.1BAssets
$729.6MLoans
$851.1MDeposits
$128.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks $1B-$10B in assets (rank 52 of 322).
  • Widest gap: total risk-based capital ratio trails 85% of banks $1B-$10B in assets (rank 279 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.52%

Rank 83 of 328

Net Interest Margin

3.97%

Rank 62 of 328

Efficiency Ratio

52.74%

Rank 93 of 328

Equity / Assets

12.22%

Rank 74 of 328

Non-interest income vs. expense

$3.4M$24.1MINCOMEEXPENSE
Unfavorable gap of $20.7M · efficiency ratio beats 72% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.91%1.22%1.52%Beats 75%83 / 328
Return on Equity12.42%8.43%11.45%14.43%Beats 58%139 / 328
Net Interest Margin3.97%3.03%3.45%3.83%Beats 81%62 / 328
Efficiency Ratio52.74%51.61%59.56%67.53%Beats 72%93 / 328
Asset Quality
Nonperforming Loans / Loans0.13%0.24%0.51%1.03%Beats 84%52 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 45%177 / 322
Capital
Tier 1 Capital Ratio11.56%11.75%13.15%15.47%Beats 23%251 / 328
Total Risk-Based Capital Ratio11.56%12.63%14.15%16.46%Beats 15%279 / 328
Equity / Assets12.22%9.15%10.33%12.01%Beats 77%74 / 328
Liquidity & Funding
Loans / Deposits85.73%76.63%87.92%95.36%45th pctl178 / 323
Loans / Assets69.27%65.18%74.15%79.98%35th pctl214 / 328
Brokered Deposits / Depositsn/aNot reported for this institution