BlastPoint's Banking Scorecard
GNBank, National Association
Community
Specialty: Agricultural
KS
FDIC cert 4673
Girard, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
GNBank, National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41% in Community
- - Non-Interest-Bearing Deposit Share 17.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.9% YoY
+4.2% QoQ
|
-$368.7M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$698.8M
+12.0% YoY
+9.3% QoQ
|
-$276.7M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$823.3M
+6.3% YoY
+4.8% QoQ
|
-$341.3M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.29%
+47.2% YoY
-0.8% QoQ
|
+0.13% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.06%
+14.5% YoY
+1.5% QoQ
|
+0.40% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
59.26%
-7.0% YoY
+1.5% QoQ
|
-3.37% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.33%
-15.4% YoY
-35.8% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
84.87%
+5.3% YoY
+4.3% QoQ
|
+1.81% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
3.89%
-17.2% YoY
-14.0% QoQ
|
-17.15% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-12.5% YoY
-32.5% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
+1.0% YoY
+28.1% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#179 of 432 · Bottom 41% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
3.89%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
73
73th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.66%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
59
59th pctile
Efficiency Ratio
Current: 59.26% · Tier avg: 62.63%
58
58th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.87% · Tier avg: 83.06%
49
49th pctile
Total Loans
Current: $698.8M · Tier avg: $975.5M
49
49th pctile
Total Deposits
Current: $823.3M · Tier avg: $1.2B
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.89% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.89% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
49
49th pctile
Total Deposits
Current: $823.3M · Tier avg: $1.2B
49
49th pctile
Total Loans
Current: $698.8M · Tier avg: $975.5M
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.87% · Tier avg: 83.06%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
58
58th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
59
59th pctile
Efficiency Ratio
Current: 59.26% · Tier avg: 62.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
73
73th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.66%