GN Bank: how it compares with its peers
Against 63 IL banks with half to twice its assets, GN Bank's strongest measure in Q2 2026 is net interest margin (4.04% vs. a 3.74% peer median). Its weakest relative measure is return on assets (0.23% vs. 0.96%).
| Measure | GN Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.23% | 0.96% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.74% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.34% | 71.61% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.1M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.11% | 58.44% | Context |
What it means for lending operations
Its efficiency ratio of 80.34% is above the 71.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Brownstown Brownstown, IL · $57M
- Citizens State Bank of Milford Milford, IL · $57M
- North County Savings Bank Red Bud, IL · $63M
- First Community Bank, Xenia-Flora Xenia, IL · $56M
- State Bank of Industry Industry, IL · $64M
- Community National Bank in Monmouth Monmouth, IL · $55M
Questions about GN Bank
How big is GN Bank?
GN Bank, established in 1934, is headquartered in Chicago, IL. It reported $60M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is GN Bank's return on assets?
0.23% annualized in Q2 2026, against a 0.96% median for 63 IL banks with half to twice its assets, ahead of 11% of them.
What is GN Bank's efficiency ratio?
80.34% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 71.61%, and lower is better.
Is GN Bank growing its loans?
Net loans shrank 17.8% over the year to Q2 2026, while deposits shrank 7.7%.
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 IL 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 Illinois bank ranked.