BlastPoint's Banking Scorecard

GNBank, National Association

$1B-$10B Specialty: Agricultural KS FDIC cert 4673

Designations: ✓ Community bank

Girard, KS

15 branches across KS · CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
Deposits +7.7% year over year ($851.1M on the books).
Delinquency rate 0.13%.
Return on assets 1.52%.
Efficiency ratio 52.74% vs a 59.73% peer average.
Loan-to-deposit ratio 84.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS

View $1B-$10B leaderboard (KS) →

GNBank, National Association has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 43.0% in tier
+ ROA 0.13% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio 6.99% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 16.98% below tier average

Get updates when GNBank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$1.1B +7.1% YoY -1.4% QoQ	-$1.7B	$2.8B -0.6% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 5.0% in tier
Total Loans ?	$720.5M +15.2% YoY +1.9% QoQ	-$1.2B	$2.0B -0.3% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 8.5% in tier
Total Deposits ?	$851.1M +7.7% YoY -2.2% QoQ	-$1.5B	$2.3B -0.5% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 3.8% in tier
Return on Assets ?	1.52% +21.1% YoY +14.2% QoQ	+0.13%	1.39% +17.0% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	4.26% +8.1% YoY +2.3% QoQ	+0.39%	3.87% +6.2% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	52.74% -10.1% YoY -3.8% QoQ	-6.99%	59.73% -12.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.13% -29.3% YoY -51.1% QoQ	-0.73%	0.87% +11.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	84.66% +6.9% YoY +4.3% QoQ	-0.38%	85.04% -0.1% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	4.29% +0.0% YoY -2.8% QoQ	-16.98%	21.27% -1.5% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 3.4% in tier
Nonperforming Asset Ratio ?	0.10% -16.7% YoY -46.9% QoQ	-0.57%	0.67% +11.7% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	85%
Tier 1 Capital Ratio ?	11.56% -2.9% YoY +0.6% QoQ	-3.28%	14.84% -0.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.16% -10.7% YoY +112.5% QoQ	-0.36%	0.53% +2.5% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	4.3% 0.0pp YoY -0.1pp QoQ	-17.1pp	21.4%	22.3%	22.2%	3%
Brokered Deposits	n/a	n/a	9.5%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	18.1% -3.0pp YoY -1.4pp QoQ	+4.1pp	14.0%	12.6%	12.5%	76%
CRE	18.2% -0.2pp YoY -1.5pp QoQ	-31.9pp	50.0%	28.8%	41.4%	3%
1-4 Family	12.3% -0.3pp YoY 0.0pp QoQ	-14.2pp	26.4%	26.7%	31.3%	22%
Consumer	2.2% -0.2pp YoY 0.0pp QoQ	-2.5pp	4.7%	4.6%	5.0%	66%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	23.3%	19.7%	n/a
Leverage Ratio	11.6% -0.3pp YoY +0.1pp QoQ	+0.2pp	11.3%	12.6%	12.6%	71%
Total Capital Ratio	n/a	n/a	16.7%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	151 +1 (+0.7%) YoY 0 QoQ	-163	313	70	482	23%
Assets per Employee ($)	$7.0M +6.4% YoY -1.4% QoQ	-$3.5M	$10.5M	$7.1M	$8.8M	23%
Branch Count	15 0 YoY 0 QoQ	-5	20	6	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	38%
Nonaccrual	0.1% 0.0pp YoY -0.1pp QoQ	-0.7pp	0.8%	0.8%	1.0%	13%
Allowance Coverage	9.58x +23.7% YoY +105.4% QoQ	-9.13x	18.71x	22.44x	20.23x	88%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	12.6% +1.8pp YoY +1.5pp QoQ	0.0pp	12.6%	14.3%	11.6%	53%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.6%	1.7%	29%
Net Income ($, YTD)	$8.0M +29.8% YoY — QoQ	-$11.3M	$19.2M	$3.7M	$40.4M	29%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#96 of 221 • Top 43.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

136

Nonperforming Asset Ratio

credit_quality

Value: 0.10%

Peer Median: 0.67%

#136 of 885 Top 15.3% in $1B-$10B

139

Delinquency Rate

credit_quality

Value: 0.13%

Peer Median: 0.87%

#139 of 882 Top 15.6% in $1B-$10B

180

Net Interest Margin

profitability

Value: 4.26%

Peer Median: 3.87%

#180 of 885 Top 20.2% in $1B-$10B

Top Weaknesses (5 metrics)

856

Non-Interest-Bearing Deposit Share

funding

Value: 4.29%

Peer Median: 21.27%

#856 of 885 Bottom 3.4% in $1B-$10B

852

Total Deposits

size

Value: $851.06M

Peer Median: $2.32B

#852 of 885 Bottom 3.8% in $1B-$10B

842

Total Assets

size

Value: $1.05B

Peer Median: $2.79B

#842 of 885 Bottom 5.0% in $1B-$10B

811

Total Loans

size

Value: $720.50M

Peer Median: $1.96B

#811 of 885 Bottom 8.5% in $1B-$10B

689

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#689 of 885 Bottom 22.3% in $1B-$10B