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Overview / Commentary
840 East Main Street
Gardner, KS 66030

Gardner Bank is headquartered in Gardner and is the 140th largest bank in the state of Kansas. It is also the 4,504th largest bank in the nation. It was established in 1984 and as of June of 2016, it had grown to 26 employees at 3 locations. Gardner Bank has a B+ health rating.

Reviews (2)

Best Small Business Checking Account

Posted by: Ttoc | Sep 10, 2013

This bank is also DBA smallbusinessbank.com.  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.

Great Features, Horrible Technology

I love the account features like no minimums, phone deposit, no fees, high deposit limits.

Unfortunately, their technology platform is really bad. Apps for Android are very buggy. The web site does not show recent deposits. History is difficult to access. Bank security incompatible with Mint.

Build a better web site and get a Windows 10 universal app, and this 2 star rating becomes a 5. My needs are very simple. It will not take a big investment. Technology is the only thing lacking, but it is really badly lacking.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Gardner Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #25744
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD3.75%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$95.8MM$102.8MM
LoansQ2 2016vs Q2 2015$53.8MM$51.7MM
DepositsQ2 2016vs Q2 2015$81.3MM$86.7MM
Equity CapitalQ2 2016vs Q2 2015$9.7MM$8.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$860.00K$905.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$62.00K$452.00K
Real Estate OwnedQ2 2016vs Q2 2015$63.00K$653.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gardner Bank Savings Account Rates

0.41%*$25k*-Personal Savings
OTHER TIERS: 0.11% Up to $2,500 | 0.31% $2,500 - $25k

Gardner Bank CD Rates

1.10%$500-60 Month CD
0.95%$500-48 Month CD
0.75%$500-36 Month CD
0.51%$500-24 Month CD
0.35%$250$10k12 Month CD Plus
0.25%$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