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Overview / Commentary
106 East 5th Street
Garnett, KS 66032

Goppert State Service Bank is headquartered in Garnett and is the 88th largest bank in the state of Kansas. It is also the 3,694th largest bank in the nation. It was established in 1899 and as of December of 2013, it had grown to 44 employees at 8 locations. Goppert State Service Bank has a B+ health rating.

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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 Goppert State Service Bank had $1.35 million in non-current loans and owned real-estate with $17.27 million in equity and loan loss allowances on hand to cover it. This gives Goppert State Service Bank a Texas Ratio of 7.81% 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 Goppert State Service Bank experienced no significant changes from 5.46% as of December 31, 2012 to 7.81% as of December 31, 2013, resulting in a negative change of 43.18%. This indicates that the balance sheet and financial strength for Goppert State Service Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Goppert State Service Bank has decreased its total deposits by -$3.68 million, resulting in -2.64% 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 Goppert State Service Bank has shown is below average.



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. Goppert State Service Bank has $151.91 million in assets with $17.27 million in equity, resulting in a capitalization level of 11.37%, which is excellent.

Institution Statistics

FDIC Certificate #17317
Year Established1899
Primary RegulatorFDIC
Assets and Liabilities
Assets$151.91 million
Loans$82.20 million
Deposits$135.68 million
Equity Capital$15.93 million
Loan Loss Allowance$1.34 million
Unbacked Noncurrent Loans$1.13 million
Real Estate Owned$220,000
Historic Data - December 2012
Assets$155.67 million
Equity Capital$15.89 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$1.13 million
Real Estate Owned$519,000
Profit Margin - Quarterly
Net Interest Margin2.93%
Return on Assets0.34%
Return on Equity3.34%
Interest Income$4.87 million

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Goppert State Service Bank Locations
Hepler Branch101 N PrarieHepler, KS 66746
Goppert State Service Bank106 East 5th StreetGarnett, KS 66032
Pomona Branch118 East Franklin StreetPomona, KS 66076
North Ottawa Branch1230 East Logan StreetOttawa, KS 66067
Walnut Branch200 Main StWalnut, KS 66780
Garnett Branch202 North MapleGarnett, KS 66032
State Bank Of Colony Branch207 East Broad StreetColony, KS 66015
St. Paul Branch706 WashingtonSt. Paul, KS 66771