Total Assets
$324M
Total balance-sheet footings
FDIC Cert #17317 · Garnett, Kansas · Est. 1899
Goppert State Service Bank - FDIC Bank Health Profile
A community-scale look at Goppert State Service Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $324M
- Total assets
- C
- Health grade · Fair
- 1.20%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
Goppert State Service Bank earns a PlainBankData health grade of C (60/100), with 9.48% Tier 1 capital, profitable at 1.20% ROA, efficient (58% cost ratio).
- #2,378
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 9.48%
- Tier 1 ratio - below the 10% well-capitalized line
- 57th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Goppert State Service Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Goppert State Service Bank's composite health score
Tier 1 Capital Ratio (9.48%) 18/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (15.34%) 10/20
Efficiency Ratio (57.76%) 12/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$292M
Customer-funded liabilities
Net Loans
$258M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Goppert State Service Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Goppert State Service Bank's score of 60/100 falls in the highlighted band.
Goppert State Service Bank'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). Goppert State Service Bank's $324M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.48% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.48%
Texas Ratio
15.34%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
13.15%
Efficiency Ratio
57.76%
What the numbers say about Goppert State Service Bank
Goppert State Service Bank is an FDIC-insured institution (Certificate #17317) headquartered in Garnett, Kansas, established in 1899. It holds $324M in total assets - 2,378th of 4,313 FDIC-insured banks, $292M in customer deposits, and $258M in net loans. On safety, its Tier 1 capital ratio of 9.48% is below the 10% well-capitalized threshold, and its Texas Ratio of 15.34% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Goppert State Service Bank ranks 63rd of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$20M
Interest Income
$565K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Goppert State Service Bank reports a Texas Ratio of 15.34% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Goppert State Service Bank (FDIC Cert #17317) - 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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Goppert State Service Bank's health grade?▼
Goppert State Service Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Goppert State Service Bank?▼
Goppert State Service Bank holds $324M in total assets and $292M in deposits, ranking 2,378th of 4,313 FDIC-insured banks by asset size. It is headquartered in Garnett, Kansas.
Is my money safe at Goppert State Service Bank?▼
Yes, deposits at Goppert State Service Bank (Certificate #17317) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Goppert State Service Bank's Tier 1 Capital Ratio?▼
Goppert State Service Bank has a Tier 1 Capital Ratio of 9.48%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Goppert State Service Bank?▼
Goppert State Service Bank has a Texas Ratio of 15.34%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Goppert State Service Bank?▼
Goppert State Service Bank has an Efficiency Ratio of 57.76%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Goppert State Service Bank's profile as a depositor or analyst.
- Goppert State Service Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Goppert State Service Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.