GNBank, National Association
Girard, Kansas, Crawford County
$1.1B in total assets, the 1,022nd largest of 4,309 US banks and 19th of 185 headquartered in Kansas.
- FDIC certificate
- 4673
- Established
- 1929
- Owned by
- Gn Bankshares Inc
- Primary regulator
- OCC
- Website
- www.gn-bank.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 5% | $1.6B | |
| Loans | $730M | 10% | $1.1B | |
| Deposits | $851M | 10% | $1.3B | |
| Return on assets | 1.43% | 53% | 1.40% | |
| Net interest margin | 4.26% | 90% | 3.83% | |
| Efficiency ratio | 52.7% | 37% | 60.4% | |
| Equity to assets | 12.22% | 79% | 10.11% | |
| Loans to deposits | 86% | 74% | 81% |
Growth
Total assets grew 2.5% a year over the last 5 years and 4.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2019 | The First National Bank of Girard Girard, KS | $79M |
| Oct 2015 | University Bank Pittsburg, KS | $114M |
| Sep 2006 | Valley State Bank Lamar, CO | $99M |
| Feb 2002 | Kansas State Bank Holton, KS | $96M |
| Jan 1995 | The Bucklin State Bank Bucklin, KS | $16M |
| Jan 1995 | The Farmers State Bank Offerle, KS | $11M |
| May 1990 | Peoples Savings and Loan Association Parsons, KS | $49M |
| Aug 1986 | The State Exchange Bank Yates Center, KS | $28M |
Where they operate
15 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Crawford County, KS | $335M | 30.6% | 1 of 10 |
| Brown County, KS | $120M | 30.9% | 1 of 6 |
| Woodson County, KS | $101M | 92.4% | 1 of 2 |
| Prowers County, CO | $78M | 15.2% | 3 of 6 |
| Kiowa County, CO | $61M | 100.0% | 1 of 1 |
| Jackson County, KS | $58M | 14.1% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (15 branches then and now). 0 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2019 | Acquired The First National Bank of Girard | 1 | 0 | +1 | 16 |
| 2023 | Closed Galena | 0 | 1 | −1 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 30% | 4% | |
| Farmland | 19% | 7% | |
| Business (C&I) | 18% | 14% | |
| Commercial real estate | 13% | 32% | |
| 1-4 family residential | 12% | 25% | |
| Construction and land | 4% | 8% | |
| Consumer | 2% | 2% | |
| Multifamily | 2% | 5% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 65% | 52% | |
| Time deposits | 31% | 26% | |
| Noninterest-bearing | 4% | 23% |
Brokered deposits are 0.0% of deposits (peers 5.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.13% | 0.62% |
| Net charge-offs, annualized | 0.05% | 0.05% |
| Reserves to loans | 1.25% | 1.29% |
| Leverage ratio | 11.56% | 10.23% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Crawford County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/gnbank