TellerScore

Headquartered in Lawrence, Kansas, Great American Bank is a state-chartered bank with $513.2M in total assets and $421.3M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 2000.

Great American Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 53rd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (44/100, 102% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.97%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.98%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 101.6% · 28.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score rose 2 points (78 → 80), mostly because the capital cushion component improved by 8 points.

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202477
Q1 202577
Q2 202578
Q3 202579
Q4 202579
Q1 202678
Q2 202680
Tier 1 leverage ratio
5.00%8.06%11.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.65%
Q3 202411.11%
Q4 20249.87%
Q1 20259.62%
Q2 202510.17%
Q3 202510.51%
Q4 202510.55%
Q1 202610.52%
Q2 202610.97%
Noncurrent loans
0.00%0.33%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.66%
Q3 20240.63%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
2.14%2.56%2.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.21%
Q3 20242.24%
Q4 20242.14%
Q1 20252.55%
Q2 20252.62%
Q3 20252.60%
Q4 20252.56%
Q1 20262.66%
Q2 20262.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$513.2M10.97%0.00%2.98%101.6%
Q1 202678$504.4M10.52%0.00%2.66%99.5%
Q4 202579$495.9M10.55%0.00%2.56%97.3%
Q3 202579$505.7M10.51%0.00%2.60%93.8%
Q2 202578$507.4M10.17%0.00%2.62%97.2%
Q1 202577$495.7M9.62%0.00%2.55%95.0%
Q4 202477$487.6M9.87%0.00%2.14%95.5%
Q3 202474$473.2M11.11%0.63%2.24%100.3%
Q2 202473$431.8M10.65%0.66%2.21%109.7%

2,650 peers · $100 million – $1 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 ratio10.97%
50th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets2.98%
98th
Net interest margin5.13%
94th
Efficiency ratio39.2%
97th
Loans to deposits101.6%
8th
Uninsured deposits28.7%
32nd
Loan-loss reserves0.92%
19th
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank and TrustBank Tonganoxie, KS66 out of 100, Moderate$514.9M8.6%0.48%vs
Cornerstone BankBank Overland Park, KS68 out of 100, Moderate$504.9M9.2%0.05%vs
Southwest National BankBank Wichita, KS70 out of 100, Strong$502.1M10.3%0.08%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs
The Peoples BankBank Pratt, KS75 out of 100, Strong$531.1M9.3%0.37%vs
The First State BankBank Norton, KS90 out of 100, Very strong$493.2M13.1%0.10%vs

Deposit insurance

Is my money safe at Great American Bank?

Yes. Great American Bank is an FDIC-insured institution (FDIC certificate #35292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.7% of deposits ($120.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.97%, 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

5 locations

Branches

Great American Bank lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Great American Bank reported 147 home-loan applications under HMDA (LEI 549300WOSE1H63K0E875): 133 originated ($45,985,000 total), 6 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, 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
Great American Bank
Former names
The Lawrence Bank
Type
State-chartered bank
FDIC certificate #
35292
RSSD ID
2815879
Primary regulator
FDIC
Holding company
First Financial Bancshares Inc
Established
August 7, 2000
Headquarters
888 New Hampshire St, Lawrence, KS 66044
Employees
55

Quick answers

Great American Bank: common questions

Is Great American Bank FDIC insured?

Yes. Great American Bank is an FDIC-insured institution (FDIC certificate #35292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Great American Bank'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 Great American Bank ever failed?

There is no failure record for FDIC certificate #35292 in the FDIC failed bank list.

How many branches does Great American Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Lawrence

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
Security Bank of Kansas CityBank Kansas City, KS85 out of 100, Very strong$3.9B12.8%0.03%vs
The Kansas State Bank Overbrook KansasBank Overbrook, KS82 out of 100, Strong$101.2M13.2%0.70%vs
Mutual Savings AssociationBank Leavenworth, KS80 out of 100, Strong$398.6M23.8%1.11%vs
Citizens Federal Savings BankBank Leavenworth, KS80 out of 100, Strong$190.1M20.1%0.15%vs