Goppert State Service Bank
Total assets
$345.3M
▲ +9.4% YoY
Deposits
$311.6M
▲ +10.2% YoY
Loans
$257.6M
▲ +4.6% YoY
Offices
9
GOPPERT FINANCIAL CORP
ROA (annualized)
1.48%
peers 1.24%
ROE (annualized)
16.07%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 16.1% | 11.9% | +4.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- GOPPERT FINANCIAL CORP
- Specialization
- Agricultural Specialization
- Address
- 106 E 5th Ave, Garnett, KS, 66032
- County
- Anderson
- Offices
- 9
- FDIC cert #
- 17317
- RSSD ID
- 850456
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $345.3M | $311.6M | $257.6M | $32.1M | $2.5M | 1.48% | 4.66% | 1.59% |
| Q1 2026 | $342.7M | $309.9M | $260.7M | $31.1M | $1.3M | 1.50% | 4.63% | 1.73% |
| Q4 2025 | $324.3M | $292.4M | $257.6M | $30.1M | $3.8M | 1.20% | 4.66% | 1.96% |
| Q3 2025 | $309.1M | $277.9M | $256.9M | $29.2M | $2.6M | 1.14% | 4.61% | 2.53% |
| Q2 2025 | $315.8M | $282.8M | $246.3M | $28.5M | $1.7M | 1.13% | 4.57% | 2.47% |
| Q1 2025 | $310.0M | $277.4M | $239.3M | $27.8M | $930K | 1.21% | 4.50% | 2.60% |
| Q4 2024 | $302.7M | $270.9M | $238.2M | $27.1M | $3.0M | 1.06% | 4.66% | 2.64% |
| Q3 2024 | $292.6M | $261.2M | $240.0M | $26.8M | $2.5M | 1.18% | 4.65% | 2.81% |
Loan mix (Q2 2026): real estate $166.8M · commercial $37.9M · consumer $13.7M · securities $27.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 62.9% | 20th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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