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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Garnett, KS · FDIC certificate #17317
GOPPERT STATE SERVICE BANK is an FDIC-insured institution based in Garnett, KS (FDIC certificate #17317). In its Q3 2026 Call Report it reported total assets of $349M, total deposits of $314M and net loans of $258M. Its primary federal regulator is FDIC.
Plain-language readout
GOPPERT STATE SERVICE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $349M in Q3 2026 and were lowest at $343M in Q1 2026.
Total deposits were highest at $314M in Q3 2026 and lowest at $310M in Q1 2026.
Over the whole period total assets rose 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $349M | $314M | $258M | 1.41% | 15.25% | 4.63% |
| Q2 2026 | $345M | $312M | $258M | 1.48% | 16.07% | 4.66% |
| Q1 2026 | $343M | $310M | $261M | 1.50% | 16.36% | 4.63% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $49.2M | $50.9M | -$1.7M | -3.3% |
| Federal funds sold | $1.1M | $0K | +$1.1M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $27.9M | $21.9M | +$5.9M | +27.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $257.6M | $260.7M | -$3.1M | -1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.5M | $2.1M | +$364K | +17.3% |
| Other real estate owned | $946K | $1.1M | -$113K | -10.7% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.1M | $6.1M | +$37K | +0.6% |
| Total assets | $345.3M | $342.7M | +$2.6M | +0.8% |
| Liabilities | ||||
| Total deposits | $311.6M | $309.9M | +$1.8M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.8M | -$163K | -9.1% |
| Total liabilities | $313.3M | $311.7M | +$1.6M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $650K | $650K | $0K | 0.0% |
| Surplus | $1.4M | $1.4M | $0K | 0.0% |
| Retained earnings | $30.1M | $29.1M | +$1.0M | +3.5% |
| Accumulated other comprehensive income | -$71K | -$46K | -$25K | -54.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $32.1M | $31.1M | +$994K | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.5M | $5.9M | -$437K | -7.4% |
| Adjusted nonperforming assets | $5.5M | $5.9M | -$437K | -7.4% |
| Tangible equity plus allowance | $35.7M | $35.0M | +$673K | +1.9% |
| Texas ratio (gross) | 15.35% | 16.90% | -1.54 pts | See points |
| Texas ratio (adjusted) | 15.35% | 16.90% | -1.54 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.35% | 16.90% | -1.54 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.28% | 9.40% | -0.12 pts | See points |
| Construction and land loans to total capital | 22.70% | 19.71% | +2.98 pts | See points |
| Commercial real estate to total capital | 25.30% | 22.58% | +2.72 pts | See points |
| Dividend payout, year to date | 17.57% | 16.87% | +0.71 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.29% | -0.20% | -0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $284.4M | $280.1M | +$4.3M | +1.5% |
| Non-core funding | $27.2M | $29.8M | -$2.6M | -8.6% |
| Loans to core deposits | 91.87% | 94.51% | -2.64 pts | See points |
| Loans to deposits | 83.83% | 85.41% | -1.58 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 59.17% | 75.31% | -16.15 pts | See points |
| Loans pledged, share of loans | 20.14% | 21.94% | -1.81 pts | See points |
| Volatile liabilities | $27.2M | $29.8M | -$2.6M | -8.6% |
| Earnings | ||||
| Earnings before provision, year to date | $3.7M | $1.9M | +$1.9M | +99.5% |
| Earnings before provision, single quarter | $1.9M | $1.9M | -$9K | -0.5% |
| Provision for credit losses, year to date | $450K | $225K | +$225K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.99% | 6.97% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.52% | +0.15 pts | See points |
| Total interest income to average assets | 6.10% | 6.19% | -0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.58% | 0.57% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.42% | 1.36% | +0.06 pts | See points |
| Cost of time deposits | 3.76% | 3.84% | -0.08 pts | See points |
| Total interest expense to average assets | 1.70% | 1.77% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $349M | $314M | $258M | 1.41% | 15.25% | 4.63% |
| 2026-06-30 | $345M | $312M | $258M | 1.48% | 16.07% | 4.66% |
| 2026-03-31 | $343M | $310M | $261M | 1.50% | 16.36% | 4.63% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $282.8M | 0.28% | 80 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.