What is GNBank, National Association's financial health grade?

GNBank, National Association has a TFS Financial Health Grade of C- (score: 71.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does GNBank, National Association have?

GNBank, National Association has 15 branch locations across the United States.

Is GNBank, National Association FDIC insured?

Yes, GNBank, National Association is FDIC insured (Certificate #4673).

What are the total assets of GNBank, National Association?

GNBank, National Association has total assets of $1.0B as reported in its most recent FDIC filing.

GNBank, National Association

BankGirard, Kansas

www.gn-bank.com

Total Assets

$1.0B

Total Deposits

$823.3M

Branches

Established

1929

TFS Health Grade

C-

71.8 / 100

Average financial health

How we grade

GNBank, National Association is a bank headquartered in Girard, Kansas, established in 1929. With $1.0B in total assets and 15 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio

12.24%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.33%

Profitability

Return on Assets (ROA)

1.29%(1%)

Return on Equity (ROE)

10.79%(10%)

Net Interest Margin

4.06%

Efficiency Ratio

59.26%(60%)

Lending & Liquidity

Total Loans

$707.9M

Loan-to-Deposit Ratio

84.87%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+3.90%

Deposit Growth (YoY)

+6.32%

Net Income

$12.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
GNBank, National AssociationHQ	100 E Forest Ave	Girard	KS	21
GNBank, National Association	1220 Maine St	Eads	CO	11
GNBank, National Association	204 S 4th St	Lamar	CO	11
GNBank, National Association	501 E Washington St	Arma	KS	11
GNBank, National Association	110 N Main St	Bucklin	KS	11
GNBank, National Association	624 W Crawford St	Clay Center	KS	11
GNBank, National Association	201 South Summit	Girard	KS	11
GNBank, National Association	805 S 1st St	Hiawatha	KS	11
GNBank, National Association	111 Us Highway 75	Holton	KS	23
GNBank, National Association	101 E 5th St	Holton	KS	11
GNBank, National Association	110 E 8th St	Horton	KS	11
GNBank, National Association	104 E Santa Fe	Offerle	KS	11
GNBank, National Association	1206 S Broadway St	Pittsburg	KS	11
GNBank, National Association	314 2nd St	Wetmore	KS	11
GNBank, National Association	101 S State St	Yates Center	KS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.