TellerScore

GNBank, National Association is a national bank headquartered in Girard, Kansas, in business for about 97 years. At the end of Q2 2026 it reported $1.1B in total assets and $851.1M in deposits, with 15 offices across 2 states.

Based on its Q2 2026 filing, GNBank, National Association scores 80/100, which we describe as strong. That is higher than 90% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 52nd. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (66/100; 11.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.56%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 84.7% · 22.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202474
Q4 202473
Q1 202579
Q2 202580
Q3 202577
Q4 202578
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%8.62%12.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.85%
Q3 202411.28%
Q4 202411.32%
Q1 202511.63%
Q2 202511.90%
Q3 202512.18%
Q4 202512.24%
Q1 202611.49%
Q2 202611.56%
Noncurrent loans
0.13%0.32%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.29%
Q4 20240.39%
Q1 20250.13%
Q2 20250.18%
Q3 20250.51%
Q4 20250.33%
Q1 20260.27%
Q2 20260.13%
Return on assets
0.69%1.11%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.69%
Q3 20240.90%
Q4 20240.88%
Q1 20251.16%
Q2 20251.26%
Q3 20251.30%
Q4 20251.29%
Q1 20261.34%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$1.1B11.56%0.13%1.52%84.7%
Q1 202677$1.1B11.49%0.27%1.34%81.2%
Q4 202578$1.0B12.24%0.33%1.29%84.9%
Q3 202577$981.2M12.18%0.51%1.30%81.4%
Q2 202580$983.6M11.90%0.18%1.26%79.2%
Q1 202579$966.9M11.63%0.13%1.16%77.6%
Q4 202473$984.4M11.32%0.39%0.88%80.6%
Q3 202474$972.2M11.28%0.29%0.90%76.2%
Q2 202470$981.2M10.85%0.37%0.69%75.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.56%
71st
Total risk-based capital0.00%
13th
Problem loans0.13%
84th
Net charge-offs0.05%
42nd
Return on assets1.52%
71st
Net interest margin4.26%
80th
Efficiency ratio52.7%
69th
Loans to deposits84.7%
56th
Uninsured deposits22.6%
77th
Loan-loss reserves1.25%
64th
Texas ratio0.8%
86th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
Security State BankBank Scott City, KS72 out of 100, Strong$1.0B10.2%0.26%vs
Bank of LaborBank Overland Park, KS41 out of 100, Below average$1.1B8.0%3.15%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs
Nbkc BankBank Leawood, KS82 out of 100, Strong$1.2B17.1%1.45%vs
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs

Deposit insurance

Is my money safe at GNBank, National Association?

Yes. GNBank, National Association is an FDIC-insured institution (FDIC certificate #4673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.6% of deposits ($192.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

GNBank, National Association lists 13 offices in 13 cities across 2 states. Most locations:

  • Arma, KS (1)
  • Bucklin, KS (1)
  • Clay Center, KS (1)
  • Eads, CO (1)
  • Girard, KS (1)
  • Hiawatha, KS (1)
  • Holton, KS (1)
  • Horton, KS (1)
  • Lamar, CO (1)
  • Offerle, KS (1)
  • Pittsburg, KS (1)
  • Wetmore, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, GNBank, National Association reported 255 home-loan applications under HMDA (LEI 549300QUH5S3VFIWMU57): 185 originated ($37,075,000 total), 27 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
GNBank, National Association
Former names
The Girard National Bank
Type
National bank
FDIC certificate #
4673
RSSD ID
928056
Primary regulator
OCC
Holding company
Gn Bankshares Inc
Established
July 1, 1929
Headquarters
100 E Forest Ave, Girard, KS 66743
Employees
151

Quick answers

GNBank, National Association: common questions

Is GNBank, National Association FDIC insured?

Yes. GNBank, National Association is an FDIC-insured institution (FDIC certificate #4673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is GNBank, National Association's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has GNBank, National Association ever failed?

There is no failure record for FDIC certificate #4673 in the FDIC failed bank list.

How many branches does GNBank, National Association have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Girard

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
Kansas Teachers Community Credit UnionCredit union Pittsburg, KS83 out of 100, Strong$125.3M15.3%1.24%vs
CBW BankBank Weir, KS82 out of 100, Strong$80.5M28.3%0.94%vs
The City State BankBank Fort Scott, KS77 out of 100, Strong$57.7M8.9%0.00%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs