GNBank

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

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

• Community banking services
• Commercial lending products
• Agricultural banking loans
• Consumer deposit accounts
• Digital banking platform

Headquarters

HQ city

Offerle

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including commercial real estate, business loans, agricultural loans, personal loans, and home mortgages
2. 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
3. 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
4. Digital Banking Services: Fees associated with digital banking services including mobile deposits, bill pay, and remote deposit capture for business customers
5. FDIC-Insured Deposits: Standard deposit banking services with FDIC insurance coverage up to $250,000 per depositor, generating deposits for lending activities

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• Facebookfacebook.com/people/GNBank/100089115993751
• Instagraminstagram.com/gnbankna
• LinkedInlinkedin.com/company/girard-national-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GNBank