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
Unfavorable gap of $20.7M · efficiency ratio beats 72% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.91% | 1.22% | 1.52% | Beats 75% | 83 / 328 | |
| Return on Equity | 12.42% | 8.43% | 11.45% | 14.43% | Beats 58% | 139 / 328 | |
| Net Interest Margin | 3.97% | 3.03% | 3.45% | 3.83% | Beats 81% | 62 / 328 | |
| Efficiency Ratio | 52.74% | 51.61% | 59.56% | 67.53% | Beats 72% | 93 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.24% | 0.51% | 1.03% | Beats 84% | 52 / 322 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 45% | 177 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 11.75% | 13.15% | 15.47% | Beats 23% | 251 / 328 | |
| Total Risk-Based Capital Ratio | 11.56% | 12.63% | 14.15% | 16.46% | Beats 15% | 279 / 328 | |
| Equity / Assets | 12.22% | 9.15% | 10.33% | 12.01% | Beats 77% | 74 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 85.73% | 76.63% | 87.92% | 95.36% | 45th pctl | 178 / 323 | |
| Loans / Assets | 69.27% | 65.18% | 74.15% | 79.98% | 35th pctl | 214 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |