GNBank, National Association: how it compares with its peers
Against 30 KS banks with half to twice its assets, GNBank, National Association's strongest measure in Q2 2026 is net interest margin (4.26% vs. a 3.91% peer median). Its weakest relative measure is return on assets (1.52% vs. 1.48%).
| Measure | GNBank, National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.48% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 3.91% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.74% | 59.63% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.7M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.66% | 74.68% | Context |
What it means for lending operations
Its efficiency ratio of 52.74% is better than the 59.63% 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
- Farmers Bank & Trust Great Bend, KS · $1.05B
- Security State Bank Scott City, KS · $1.03B
- Bank of Labor Overland Park, KS · $1.11B
- Dream First Bank, National Association Syracuse, KS · $964M
- The First National Bank of Hutchinson Hutchinson, KS · $1.21B
- United Bank & Trust Marysville, KS · $893M
Questions about GNBank, National Association
How big is GNBank, National Association?
GNBank, National Association, established in 1929, is headquartered in Girard, KS. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is GNBank, National Association's return on assets?
1.52% annualized in Q2 2026, against a 1.48% median for 30 KS banks with half to twice its assets, ahead of 50% of them.
What is GNBank, National Association's efficiency ratio?
52.74% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 59.63%, and lower is better.
Is GNBank, National Association growing its loans?
Net loans grew 15.2% over the year to Q2 2026, while deposits grew 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 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.