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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

$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