GNBank
- Company typePrivate
- Founded1918
- HeadquartersOfferle, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
GNBank firmographics
Firmographics- Name
- GNBank
- Legal name
- GNBank, N.A.
- Website
- https://gn-bank.com
- Company type
- Private
- Founded year
- 1918
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
GNBank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where GNBank is headquartered
LocationHeadquarters
- HQ city
- Offerle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
GNBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans including commercial real estate, business loans, agricultural loans, personal loans, and home mortgages
- Account Fees: Monthly service charges on checking and savings accounts, with waivers for minimum balance requirements. Transaction fees for checks and debits exceeding tiered limits
- Advantage Benefits Subscription: $5 monthly subscription service providing identity monitoring, roadside assistance, cell phone protection, travel assistance, and AD&D insurance bundled with checking accounts
- Digital Banking Services: Fees associated with digital banking services including mobile deposits, bill pay, and remote deposit capture for business customers
- FDIC-Insured Deposits: Standard deposit banking services with FDIC insurance coverage up to $250,000 per depositor, generating deposits for lending activities
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | My Business Checking |
| Subscription | Monthly | Commercial Checking |
| Subscription | Monthly | Business Interest Checking |
| Subscription | Monthly | Business Money Market |
| Subscription | Monthly | Advantage Benefits Package |
| Subscription | Monthly | Regular Business Savings |
| Subscription | Annual | Time Deposits (CDs) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
GNBank product offering
Product offeringCore offering
GNBank is a community national bank in Girard, Kansas offering personal, business, and agricultural banking products. Its core offerings include deposit accounts (checking, savings, money market, CDs), consumer and commercial loans (personal, mortgage, business, SBA, agricultural, equipment financing), debit cards, and digital banking services including online/mobile banking, bill pay, mobile deposit, eStatements, and treasury services such as remote deposit capture and Autobooks integration.
Product overview
GNBank offers a comprehensive suite of banking products and services for personal, business, and agricultural customers. The bank provides deposit accounts (checking and savings), various loan products (personal, home/mortgage, business/commercial, and agricultural), digital banking services including mobile app and online banking, debit cards, and Treasury Services for businesses. Key products include My Business Checking, Commercial Checking, Business Money Market accounts, SBA Loans, Advantage Benefits (an add-on package offering identity protection, roadside assistance, and insurance), Bill Pay, Mobile Deposit, eStatements, and Financial Calculators. The bank operates primarily in Girard, Kansas, and serves customers across personal, business, and agriculture banking segments.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Personal checking accounts that allow customers to manage daily finances with features like free electronic statements, debit card access, and overdraft protection options, targeted at individual consumers.
- Personal Savings & Time Deposits (CDs) Savings accounts and Certificates of Deposit (CDs) for personal customers to save and grow their money with competitive interest rates and various term options.
- Personal Loans Installment loans for personal use to help customers finance major purchases, consolidate debt, or cover unexpected expenses.
- Home Loans / Mortgages Mortgage lending services including purchase financing, refinancing options, and home equity products to help customers achieve homeownership.
- Personal Debit Cards Mastercard debit cards allowing customers to make purchases anywhere Mastercard is accepted and withdraw cash at ATMs worldwide.
- My Business Checking Basic business checking account for businesses with limited checks and deposits, featuring $1,000 minimum daily balance to waive monthly fee and 40 free checks/debits per statement cycle.
- Commercial Checking Checking account for established businesses with higher transaction volumes, offering Earnings Credit to offset fees and unlimited ACH and POS transactions.
- Business Interest Checking Interest-bearing checking account for businesses that prefer to earn interest on deposits, requiring $10,000 minimum to open and maintain for fee waiver.
- Business Money Market Tiered interest-bearing account with three tiers based on balance ($50,000 and $100,000 breakpoints), offering competitive rates as balance increases.
- Business Savings & Time Deposits Business savings accounts and Certificates of Deposit with various term options to help businesses save and grow funds, requiring a $100 minimum deposit to open for Regular Business Savings.
- Commercial Real Estate Loans Financing for commercial buildings, land purchases, development, construction, or refinancing with cash-out options for commercial purposes.
- Rental / Investment Property Loans Flexible financing options for purchasing investment properties and rental real estate with competitive terms and rates.
- Operating Lines of Credit Short-term borrowing facilities to help businesses manage seasonal cash flow fluctuations and working capital needs.
- Commercial and Industry Loans Loans tailored to specific industry needs, supporting businesses across various sectors with customized financing solutions.
- Equipment Financing Financing solutions to help businesses acquire machinery, equipment, or technology needed for operations.
- SBA Loans & Programs Small Business Administration loan programs including 7(a) Loans (most common SBA program) and 504 Loans (long-term fixed rate financing) for qualified borrowers.
- Agricultural Banking Specialized banking products for agricultural customers including Ag Checking, Ag Savings, Agricultural Loans, and Ag Treasury Services tailored for farm operations.
- Digital Banking Platform Online and mobile banking platform providing 24/7 access to accounts, bill payment, fund transfers, mobile deposits, and account alerts, available to personal, business, and agricultural customers.
- Treasury Services Business cash management services including sweeps (Line of Credit, Target Balance, Zero Balance), Remote Deposit Capture, and Autobooks integration for invoicing and bookkeeping.
- Advantage Benefits Package Monthly fee subscription package ($5/month) for checking accounts that includes 24/7 roadside assistance, cellular phone protection (up to $600), total identity monitoring, travel assistance, and $20,000 AD&D insurance.
Quantifiable outcome
- Over 105 years of continuous operation as a community bank
Companies that use GNBank
Customer profileSegments3 records
Ideal customer profiles3 records
GNBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
GNBank partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
GNBank competitors and assessment
Company assessmentDirect peers
- Intrust Bank: Wichita-based Kansas community bank offering personal, business, and wealth management services. Directly comparable as a regional Kansas bank serving similar customer segments including ag lending and small business banking.
- Equity Bank: Andover, Kansas-based community bank offering personal, business, and ag lending across multiple Kansas and Missouri branches. Highly comparable mid-sized Kansas community bank with similar vertical segmentation.
- Sunflower Bank: Salina, Kansas-based community bank with full personal, business, and agricultural banking services across multiple states. Comparable Kansas-rooted community bank with similar product breadth and ag focus.
- Central National Bank (Junction City, KS): Junction City, Kansas-based community bank offering personal, business, and agricultural banking. Closely comparable small Kansas community bank serving similar rural and small-town customer segments.
Broad incumbents
- Capitol Federal Financial: Topeka-headquartered Kansas-based bank (True Blue Financial) offering retail and commercial banking. Comparable as a Kansas-headquartered community bank with a broader geographic footprint within the state.
- UMB Bank: Kansas City-headquartered regional bank with full commercial, ag, and treasury services across multiple states. Comparable as a Kansas-rooted bank offering similar products including ag lending and treasury services, but at much larger scale.
- Commerce Bank: Kansas City-based regional bank with consumer, business, and commercial banking across multiple states. Comparable as a Kansas/Missouri regional bank offering similar small business and treasury products, though much larger.
Regional players
- Country Club Bank: Kansas City-area community bank serving the Kansas/Missouri corridor with personal and business banking. Comparable Kansas/Missouri regional community bank with similar target customer base.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
GNBank social profiles
Digital presenceGNBank compliance and trust
Trust signalCompliance2 records
GNBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
GNBank leadership team
Management profileNumber of profiles
GNBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GNBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GNBank
What does GNBank do?
GNBank is a community national bank in Girard, Kansas offering personal, business, and agricultural banking products. Its core offerings include deposit accounts (checking, savings, money market, CDs), consumer and commercial loans (personal, mortgage, business, SBA, agricultural, equipment financing), debit cards, and digital banking services including online/mobile banking, bill pay, mobile deposit, eStatements, and treasury services such as remote deposit capture and Autobooks integration.
Is GNBank a public or private company?
GNBank is a private company. It is classified as family owned and is currently operating.
When was GNBank founded?
GNBank was founded in 1918. It employs 11 to 50 people.
Where is GNBank based?
GNBank is headquartered in Offerle, United States, in the North America region.
How does GNBank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are account Fees, advantage Benefits Subscription, digital Banking Services and FDIC-Insured Deposits.
Who are GNBank's main competitors?
Direct peers on record are Intrust Bank, Equity Bank, Sunflower Bank and Central National Bank (Junction City, KS). Broad incumbents are Capitol Federal Financial, UMB Bank and Commerce Bank. Country Club Bank is listed as a regional player.
Does GNBank have an API?
No public API is recorded for GNBank.
What industry is GNBank in?
GNBank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 5221 and its SIC code is 6021.