Goppert State Service Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, Goppert State Service Bank's strongest measure in Q2 2026 is net interest margin (4.66% vs. a 4.03% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.8M).
| Measure | Goppert State Service Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.54% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 4.03% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.19% | 58.69% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.8M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.67% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 52.19% is better than the 58.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Kaw Valley Bank Topeka, KS · $340M
- The Citizens State Bank Gridley, KS · $336M
- Stryv Bank Wichita, KS · $333M
- Heritage Bank Topeka, KS · $325M
- KCB Bank Lakin, KS · $322M
- First National Bank and Trust Phillipsburg, KS · $322M
Questions about Goppert State Service Bank
How big is Goppert State Service Bank?
Goppert State Service Bank, established in 1899, is headquartered in Garnett, KS. It reported $345M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Goppert State Service Bank's return on assets?
1.48% annualized in Q2 2026, against a 1.54% median for 80 KS banks with half to twice its assets, ahead of 46% of them.
What is Goppert State Service Bank's efficiency ratio?
52.19% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is Goppert State Service Bank growing its loans?
Net loans grew 4.6% over the year to Q2 2026, while deposits grew 10.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.