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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

5.01%Q2 ’245.29%Q2 ’255.54%Q2 ’26+13%+8%

Non-interest income vs. expense

2.25%Q2 ’242.32%Q2 ’252.21%Q2 ’26+2%-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 1.70%, up 33 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.13% of loans (-5 bps YoY), with net charge-offs at 0.08%.
  • 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 (quarter, annualized)

1.70%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+29 bps YoY

Efficiency Ratio (quarter, annualized)

50.75%-554 bps YoY

Tier 1 Leverage Ratio

11.56%-35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.39%1.28%1.34%1.70%+33 bps
Return on Equity11.46%11.32%10.23%11.10%14.22%+276 bps
Net Interest Margin3.78%3.85%4.04%3.95%4.07%+29 bps
Efficiency Ratio56.29%57.80%61.68%54.85%50.75%-554 bps
Non-Interest Burden1.95%2.04%2.33%2.00%1.88%-7 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 / Loans-0.14%-0.02%0.17%0.03%0.08%+22 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