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Overview / Commentary
840 East Main Street
Gardner, KS 66030

Gardner Bank is headquartered in Gardner and is the 128th largest bank in the state of Kansas. It is also the 4,686th largest bank in the nation. It was established in 1984 and as of December of 2013, it had grown to 23 employees at 3 locations. Gardner Bank has a B health rating.

Reviews (1)

Best Small Business Checking Account

This bank is also DBA  They offer free checking, free debit card, and free remote deposit.  Free remote deposit allows you to deposit checks remotely.  I have not yet found another bank that offers similar service without a fee.  Also, this bank, being a small bank, offers very friendly services.  Employees are very friendly and very helpful.  I have been with them for a little less than a year, but I highly recommend their service.  I live in California, but I have no problem using their banking service.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Gardner Bank had $2.47 million in non-current loans and owned real-estate with $8.94 million in equity and loan loss allowances on hand to cover it. This gives Gardner Bank a Texas Ratio of 27.68% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Gardner Bank decreased slightly from 31.73% as of December 31, 2012 to 27.68% as of December 31, 2013, resulting in a positive change of 12.77%.This indicates that the balance sheet and financial strength for Gardner Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Gardner Bank has increased its total deposits by $11.2 million, resulting in 15.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gardner Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gardner Bank has $102.56 million in assets with $8.94 million in equity, resulting in a capitalization level of 8.72%, which is average.

Institution Statistics

FDIC Certificate #25744
Year Established1984
Primary RegulatorFED
Assets and Liabilities
Assets$102.56 million
Loans$51.14 million
Deposits$84.43 million
Equity Capital$8.29 million
Loan Loss Allowance$648,000
Unbacked Noncurrent Loans$489,000
Real Estate Owned$1.99 million
Historic Data - December 2012
Assets$87.65 million
Equity Capital$9.45 million
Loan Loss Allowance$784,000
Unbacked Noncurrent Loans$489,000
Real Estate Owned$2.25 million
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets0.3%
Return on Equity3.31%
Interest Income$3.78 million
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Gardner Bank Savings Account Rates

0.41%$250k-Investment Savings
0.11%--Traditional Savings

Gardner Bank Checking Account Rates

0.11%--Investment Checking

Gardner Bank CD Rates

0.95%$500-60 Month CD
0.65%$500-48 Month CD
0.55%$500-36 Month CD
0.35%$500-24 Month CD
0.30%$500-18 Month CD Special
0.24%$250$10k12 Month CD Plus
0.18%$500-6 Month CD
0.15%$500-91 Day CD

Gardner Bank Locations
Lenexa Branch13423 West 92nd StreetLenexa, KS 66215
South Branch18855 S. Gardner Rd.Gardner, KS 66030
Gardner Bank840 East Main StreetGardner, KS 66030