BlastPoint's Banking Scorecard
GNBank, National Association
Designations: ✓ Community bank
Girard, KS
15 branches across KS · CO
GNBank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 6.22% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.88% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.5% YoY
+4.5% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.2% in tier |
| Total Loans ? |
$707.0M
+16.6% YoY
+1.2% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.4% in tier |
| Total Deposits ? |
$870.6M
+11.4% YoY
+5.8% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.6% in tier |
| Return on Assets ? |
1.34%
+15.5% YoY
+3.2% QoQ
|
-0.03% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
4.17%
+8.1% YoY
+2.6% QoQ
|
+0.35% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
54.85%
-10.4% YoY
-7.5% QoQ
|
-6.22% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.27%
+102.1% YoY
-19.3% QoQ
|
-0.62% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
81.20%
+4.7% YoY
-4.3% QoQ
|
-3.00% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
4.41%
+3.6% YoY
+13.3% QoQ
|
-16.88% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.8% in tier |
| Nonperforming Asset Ratio ? |
0.19%
+47.0% YoY
-16.3% QoQ
|
-0.48% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.49%
-1.2% YoY
-6.1% QoQ
|
-3.67% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.08%
-15.2% YoY
-78.4% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
21% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.