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Overview / Commentary
100 East Forest Avenue
Girard, KS 66743

Girard National Bank is headquartered in Girard and is the 20th largest bank in the state of Kansas. It is also the 1,158th largest bank in the nation. It was established in 1929 and as of March of 2014, it had grown to 150 employees at 12 locations. Girard National Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Girard National Bank had $5.61 million in non-current loans and owned real-estate with $70.36 million in equity and loan loss allowances on hand to cover it. This gives Girard National Bank a Texas Ratio of 7.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Girard National Bank decreased slightly from 10.04% as of March 31, 2013 to 7.97% as of March 31, 2014, resulting in a positive change of 20.57%.This indicates that the balance sheet and financial strength for Girard National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Girard National Bank has increased its total deposits by $27.83 million, resulting in 6.66% 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 Girard National 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. Girard National Bank has $574.92 million in assets with $70.36 million in equity, resulting in a capitalization level of 12.24%, which is excellent.

Institution Statistics

FDIC Certificate #4673
Year Established1929
Primary RegulatorOCC
Assets and Liabilities
Assets$574.92 million
Loans$329.10 million
Deposits$445.84 million
Equity Capital$64.89 million
Loan Loss Allowance$5.46 million
Unbacked Noncurrent Loans$4.70 million
Real Estate Owned$906,000
Historic Data - March 2013
Assets$544.03 million
Equity Capital$63.68 million
Loan Loss Allowance$5.76 million
Unbacked Noncurrent Loans$4.70 million
Real Estate Owned$2.04 million
Profit Margin - Quarterly
Net Interest Margin3.37%
Return on Assets0.82%
Return on Equity7.27%
Interest Income$5.35 million
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Girard National Bank Checking Account Rates

1.17%-$15kRewards Checking - Qualifying
0.05%--Rewards Checking - Non Qualifying

Girard National Bank has 12 locations. Click to view all Girard National Bank locations.