A local franchise using the GNB name
Greenville National Bank is the legal bank behind GNB Banking Centers. Its history page dates the present national-bank charter to 1934 and the adoption of the GNB Banking Centers trade name to 2019. It describes an independently operated, locally owned franchise. The shorter branding therefore does not identify a different insured institution. [3]
The FDIC record lists certificate 13703 and headquarters at 446 South Broadway Street, Greenville, Ohio. As a national bank, its primary federal supervisor is the Office of the Comptroller of the Currency. The OCC’s June 2023 evaluation identifies Greenville National Bancorp as its one-bank holding company. Bank financial statements and parent-company statements have different reporting boundaries even when there is only one banking subsidiary. [1][4]
Darke County roots and expansion beyond them
The bank’s office history includes Gettysburg in 1943, Sycamore in 1967 and Northtown in 1975. Ansonia followed in 1976 and Arcanum in 1985, both associated in the history with predecessor banks. Bradford initially opened inside a grocery store before moving into a purpose-built location in 2007. These details show a franchise assembled over decades through different types of local presence. [3]
GNB entered Indiana with Losantville in 2015, added Troy in 2017 and moved that office into a new building in 2018. Its timeline lists Versailles in 2024. The resulting service area includes Darke and Miami counties in Ohio and Randolph County in Indiana. The national charter is a legal designation, not a claim of nationwide branch coverage. [3]
Agriculture is a distinct customer business
GNB’s farm-lending page separates agricultural real estate, equipment and business credit lines. Farmland loans address purchases and refinancing, including options for beginning farmers. Equipment financing covers new and used machinery, while operating lines can be borrowed, repaid and reused as farm expenses change. The bank emphasizes local lending decisions, which is its service proposition rather than an independently measured approval-speed claim. [5]
These products have different repayment patterns. Land provides a long-lived asset; machinery has a working life and replacement cycle; an operating line bridges the time between paying inputs and receiving sales proceeds. Weather, commodity prices and production costs can affect that cash cycle. The existence of an agricultural menu does not show how much of the bank’s current portfolio is exposed to any one crop, borrower or market. [5]
Commercial finance alongside household lending
The commercial menu includes property purchases, refinancing and construction, rental-property finance, equipment, Small Business Administration loans and revolving credit lines. It addresses both a company investing in fixed assets and one managing temporary working-capital needs. Borrowers do not automatically receive the same loan structure simply because both uses fall under business banking. [6]
The OCC’s 2023 examination described residential mortgages and consumer lending as the bank’s primary businesses during its reviewed period, alongside business and agricultural credit. It also documented mortgage sales to the Federal Home Loan Bank. That history is important: originating a mortgage does not necessarily mean keeping it for its full life, and a product prominently advertised today is not proof of its share of the balance sheet. [4]
Checking relationships and remote access
GNB offers cash-back, interest-bearing and student checking choices. Its rewards programs attach conditions to activity within a statement cycle, rather than paying the advertised benefit unconditionally. The checking disclosures also distinguish electronic statements from chargeable paper statements and describe discretionary overdraft protection. Those conditions are part of the product, not incidental details. This profile does not reproduce promotional rates that can change. [7]
Online banking supports balances and transaction histories, bill payment, outside-bank transfers, downloadable statements and customer messaging. Card controls allow customers to switch a card on or off, set limits and receive alerts. These tools extend access beyond opening hours, but they still depend on the customer’s settings, authentication and the operation of the underlying systems. Availability of controls is not a guarantee against fraud. [8]
The June 2026 balance sheet
At June 30, 2026, Greenville National Bank reported $641.498 million in assets, $541.490 million in deposits and $448.570 million in net loans and leases. Bank-level net income was $5.362 million for the first half of 2026. These figures are from FDIC financial data; the monetary amounts are converted from thousands to millions, and the income period is January through June. [2]
Real-estate-secured loans totaled $359.871 million, with $92.106 million in nonfarm nonresidential property loans. Securities totaled $105.887 million. These categories provide more context than asset size alone, but neither a portfolio label nor one reporting date shows how results would respond to falling collateral values, deposit withdrawals or a change in rates. [2]
Community-credit performance and present-day limits
The OCC evaluation dated June 12, 2023 rated GNB Satisfactory overall. Its lending test was Satisfactory and community-development test Outstanding; Ohio and Indiana each received Satisfactory overall ratings. The difference between the component and overall ratings should be preserved rather than describing the whole institution as Outstanding. [4]
The examination addresses community credit needs over a historical review period. It is not a current financial-health score. For this geographically focused franchise, farm and household cash flow, business-property repayment, funding costs and transaction-system reliability remain distinct financial and operating questions. No safety conclusion is drawn from the bank’s ownership model or local history.
Sources
- FDIC BankFind: legal institution and statusOfficial sourceBack to text: ↑
- FDIC bank financial reports, June 30, 2026; dollars in thousandsOfficial sourceBack to text: ↑1↑2
- GNB: history and branch milestonesSourceBack to text: ↑1↑2↑3
- OCC: June 12, 2023 CRA evaluation, bank-hosted public fileSource · PDFBack to text: ↑1↑2↑3
- GNB: agricultural financeSourceBack to text: ↑1↑2↑3
- GNB: commercial financeSourceBack to text: ↑
- GNB: personal checking products and termsSourceBack to text: ↑
- GNB: online banking and payment controlsSourceBack to text: ↑