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Overview / Commentary
913-856-7199
840 East Main Street
Gardner, KS 66030

Gardner Bank is headquartered in Gardner and is the 147th largest bank in the state of Kansas. It is also the 4,622nd largest bank in the nation. It was established in 1984 and as of September of 2016, it had grown to 23 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.



Health
B+
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

Overall
FDIC Certificate #25744
Year Established1984
Employees23
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$88.1MM$100.2MM
LoansQ3 2016vs Q3 2015$53.8MM$53.3MM
DepositsQ3 2016vs Q3 2015$73.6MM$85.5MM
Equity CapitalQ3 2016vs Q3 2015$9.6MM$9.2MM
Loan Loss AllowanceQ3 2016vs Q3 2015$856.00K$886.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$37.00K$441.00K
Real Estate OwnedQ3 2016vs Q3 2015$63.00K$653.00K
Rates
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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

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

Gardner Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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