GNBank, National Association

100 East Forest Avenue
Girard, KS 66743

Notable Rates APY Vs.Others
Savings 0.40% 2.30% →
1-Year CD 1.46% 2.25% →
2-Year CD 2.02% 2.50% →
5-Year CD 2.27% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

GNBank, National Association is an FDIC insured institution located in Girard, KS. It was founded in 1929 and has approximately $0.72 billion in assets. Customers can open an account at one of its 15 branches.

FDIC Insured Yes
FDIC Certificate # 4673
Date Established 1929
Assets $0.72 billion
Loans $0.48 billion
Deposits $0.57 billion
Capital $0.09 billion
 

For a more detailed analysis of GNBank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.70% $500 - Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less
1.36% $500 $9,999,999 Learn MoreShow Less
12 Mo CD
1.46% $500 - Learn MoreShow Less
1.56% $500 $9,999,999 Learn MoreShow Less
18 Mo CD
1.66% $500 - Learn MoreShow Less
1.62% $500 $9,999,999 Learn MoreShow Less
24 Mo CD
1.72% $500 - Learn MoreShow Less
Special: 24 Mo CD
2.02% $10,000 $100,000 Learn MoreShow Less
1.77% $500 $9,999,999 Learn MoreShow Less
30 Mo CD
1.87% $500 - Learn MoreShow Less
2.04% $500 $9,999,999 Learn MoreShow Less
36 Mo CD
2.24% $500 - Learn MoreShow Less
2.07% $500 $9,999,999 Learn MoreShow Less
48 Mo CD
2.27% $500 - Learn MoreShow Less
2.07% $500 $9,999,999 Learn MoreShow Less
60 Mo CD
2.27% $500 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
Var IRA
2.03% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 - Learn MoreShow Less

Loan Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for GNBank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
First Internet Bank
NMLS ID: 424182
3.626% 3.625% 0.00 $42 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to GNBank, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

GNBank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


GNBank, National Association Locations


Financial Details

GNBank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of GNBank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
GNBank, National Association U.S. Bank Average
5.92% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, GNBank, National Association had $5,256,000 in non-current loans and $349,000 in owned real estate. To cover these potential losses it had $86,854,000 in equity and $7,765,000 in loans loss reserves. That gives it a Texas Ratio of 5.92%.

Return on Equity
GNBank, National Association U.S. Bank Average
9.45% 9.50%

GNBank, National Association has a Return on Equity of 9.45% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
GNBank, National Association U.S. Bank Average
12.07% 12.76%

GNBank, National Association has a Capitalization of 12.07% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

GNBank, National Association Balance Sheet Analysis

As of June 30, 2019, GNBank, National Association had assets of $719,510,000, loans of $484,599,000, and deposits of $565,953,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.16 billion
Federal funds sold and reverse repurchase $0.03 billion
Net loans and leases $0.48 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.01 billion
     Total Assets $0.63 billion
LIABILITIES
Total deposits $0.57 billion
      Interest-bearing deposits $0.53 billion
      Deposits held in domestic offices $0.57 billion
      % insured (estimated) 76.16%
Federal funds purchased and repurchase agreements $0.03 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.63 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in GNBank, National Association’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, GNBank, National Association’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.97
Multifamily
Mortgages
0.51
Credit Card Loans 0.00
Consumer Auto Loans 1.61
Small Business Loans 5.03
Construction and Development Loans 2.40
Commercial Real Estate 13.52
Commercial and Industrial Loans 18.49
Farm Loans 27.41

Frequently Asked Questions About Gnbank, National Association

Branches and Savings

Is Gnbank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #4673.

Why does Gnbank, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Gnbank, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Gnbank, National Association a commercial bank?

Yes

Where are Gnbank, National Association locations?

See branch locations nearby.

Is Gnbank, National Association open on Saturdays?

Is Gnbank, National Association open on Sundays?

What time does Gnbank, National Association open?

What time does Gnbank, National Association close?

Are Gnbank, National Association ATMs Open 24/7?

Do Gnbank, National Association ATMs accept cash deposits?

Can Gnbank, National Association customers use other ATMs?

Do Gnbank, National Association branches have notaries?

Will Gnbank, National Association notarize my document?

What address for Gnbank, National Association should I put for incoming ACH transfers?

Will the Gnbank, National Association branch print checks?

Do Gnbank, National Association checks expire?

Does Gnbank, National Association require US citizenship to open account?

Can Gnbank, National Association close my account?

Does Gnbank, National Association Report to credit bureaus?

Does Gnbank, National Association Use Equifax?

What is Gnbank, National Association's ACH Routing Number?

What is Gnbank, National Association's SWIFT code?

Products

Does Gnbank, National Association offer mortgages?

Compare mortgage rates here.

Does Gnbank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gnbank, National Association offer personal loans?

Compare personal loan rates here.

Does Gnbank, National Association offer student loans?

Will Gnbank, National Association cash a check?

Will Gnbank, National Association redeem a savings bond?

Does Gnbank, National Association cash savings bonds?

Will Gnbank, National Association cash money orders?

Can Gnbank, National Association issue a money order?

Does Gnbank, National Association do currency exchange?

Background on The Bank

Who owns Gnbank, National Association?

How long has Gnbank, National Association been around?

Can Gnbank, National Association transfer to other banks?

Does Gnbank, National Association have quick pay?

Does Gnbank, National Association accept rolled coins?

Will Gnbank, National Association accept loose change?

Where is Gnbank, National Association headquarters?

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