FDIC Cert #4673 · Girard, Kansas · Est. 1929

GNBank, National Association - FDIC Bank Health Profile

A community-scale look at GNBank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.0B
Total assets
A
Health grade · Excellent
1.29%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

GNBank, National Association earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.24% Tier 1, profitable at 1.29% ROA, efficient (59% cost ratio).

#1,022
largest of 4,313 FDIC banks by assets
76th
percentile by asset size, nationally
12.24%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 4673 · KS A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1215/4307
  • PHOTO-FINISH Farmers Bank of Nort… · MO
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 1.7% Texas
  • ROA-STRONG 1.29% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Farmers Bank of Northern Missouri, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around GNBank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers Bank of Nort… · MO ·…87/100First Financial Bank… · IN ·…87/100First National Bank · ME · n…87/100First United Bank &… · MD · …87/100GNBank, National Ass… · KS ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around GNBank · July 2026

Call Report read for GNBank in a high-failure state

GNBank, National Association (FDIC Cert #4673) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,215 of 4,307. Tier 1 capital prints at 12.24%, clearing the 10% well-capitalized line. The Texas Ratio is 1.71%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.29%. Balance-sheet scale is $1.0B, 1,022nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Bank of Northern Missouri (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around GNBank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

GNBank, National Association sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about GNBank, National Association's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How GNBank, National Association's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
GNBank, National Association's composite health score
Tier 1 Capital Ratio (12.24%) 35/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (1.71%) 20/20
Efficiency Ratio (59.26%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$823M

Customer-funded liabilities

Net Loans

$699M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.84% 12.24% 13.64%
Basel III capital ratios - GNBank, National Association

Where GNBank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. GNBank, National Association's score of 87/100 falls in the highlighted band.

GNBank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 28% higher than 72% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. GNBank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

GNBank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). GNBank, National Association's $1.0B falls in the highlighted band.

Capital & credit buffers at GNBank

Tier 1 capital ratio
Well-capitalized 10%

12.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.24%
Texas Ratio
1.71%
Equity Capital
$127M

What these ratios mean →

Earnings posture at GNBank

Return on Assets (ROA)
64th percentile nationally
1.29%
Return on Equity (ROE)
10.79%
Efficiency Ratio
59.26%

What these mean →

Income & expense at GNBank

$53M
Interest Income
$4M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. GNBank, National Association reports a Texas Ratio of 1.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View GNBank, National Association on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.0B here), outside Kansas so the neighborhood is not state containment.

Brentwood Bank $1.0B · PA Belmont Bank & Trust Company $1.0B · IL Cornhusker Bank $1.0B · NE Olympia Federal Savings and Loan Asso… $1.0B · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) GNBank, National Association (FDIC Cert #4673) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

GNBank, National Association Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%