US Bank Directory
Banks in Gardner, KS
6 FDIC-insured banks operate 8 offices in Gardner, Kansas, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Gardner
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 7 banks and credit unions operate 9 locations in Gardner, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Gardner
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Central Bank and Central National Bank have the most locations in Gardner, with 2 each. 4 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Central Bank Bank · 2
Central Bank has 2 branches in Gardner, 21 across Kansas and 177 nationwide. FDIC records list its main office in Jefferson City, MO and show it operating since 1902. With $20.31 billion in total assets on June 30, 2026, it ranks No. 105 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Gardner location is the Main Bank - Gardner Branch at 425 N Waverly Rd, dating to 1894; the newest, at 900 E Main St, to 2003. It does not publish hours in the sources this page uses; check its site before you go.
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Main Bank - Gardner Branch425 N Waverly Rd, 66030
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New Century Branch900 E Main St, 66030
Central National Bank Bank · 2
Central National Bank has 2 branches in Gardner, 33 across Kansas and 35 nationwide. FDIC records list its main office in Junction City, KS and show it operating since 1884. With $1.39 billion in total assets on June 30, 2026, it ranks No. 796 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Gardner location is the Gardner Main Branch at 205 N Moonlight Rd, dating to 2005; the newest, at 1555 E Santa Fe St, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Gardner Wal-Mart Branch1555 E Santa Fe St, 66030
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Gardner Main Branch205 N Moonlight Rd, 66030
Arvest Bank · 1
Arvest has 1 branch in Gardner, 10 across Kansas and 228 nationwide. FDIC records list its main office in Fayetteville, AR and show it operating since 1871. With $28.05 billion in total assets on June 30, 2026, it ranks No. 77 of 4,232 U.S. banks by total assets. The Gardner Branch at 306 E Main St dates to 2014 in FDIC branch records. It opens on Saturday.
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Gardner Branch306 E Main St, 66030
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Arvest branch locator (All The Places), checked Oct 10, 2026
Capitol Federal Savings Bank Bank · 1
Capitol Federal Savings Bank has 1 branch in Gardner, 42 across Kansas and 46 nationwide. FDIC records list its main office in Topeka, KS and show it operating since 1893. With $9.68 billion in total assets on June 30, 2026, it ranks No. 165 of 4,232 U.S. banks by total assets. The Gardner Price Chopper Branch at 660 E Main St dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Gardner Price Chopper Branch660 E Main St, 66030
Frontier Community Credit Union Credit union · 1
Frontier Community Credit Union has 1 office in Gardner, 4 across Kansas. It is based in Leavenworth, KS and $207.9 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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South Gardner18751 S Gardner Rd, 66030
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Mid-America Bank Bank · 1
Mid-America Bank has 1 branch in Gardner, 7 across Kansas and 7 nationwide. FDIC records list its main office in Baldwin City, KS and show it operating since 1900. With $573.3 million in total assets on June 30, 2026, it ranks No. 1,621 of 4,232 U.S. banks by total assets. The Gardner Branch at 18365 S Gardner Rd dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Gardner Branch18365 S Gardner Rd, 66030
Patriots Bank Bank · 1
Patriots Bank has 1 branch in Gardner, 5 across Kansas and 6 nationwide. FDIC records list its main office in Garnett, KS and show it operating since 1899. With $268.8 million in total assets on June 30, 2026, it ranks No. 2,633 of 4,232 U.S. banks by total assets. The Patriots Bank at 840 E Main St dates to 2016 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Patriots Bank840 E Main St, 66030
Join a credit union in Gardner
1 credit union has 1 office here: Frontier Community Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Gardner page has every office in the state's directory.
Banking in Gardner: the local picture
Short answer: 6 banks run 8 branches in Gardner according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 0 have their main office in Gardner, 4 elsewhere in Kansas and 2 out of state, according to the FDIC.
The bank with the longest record here is Arvest, operating since 1871 according to the FDIC. In FDIC branch records, the longest-running branch is Central Bank's office at 425 N Waverly Rd, dating to 1894; the newest is Mid-America Bank's at 18365 S Gardner Rd, from 2019.
The only credit union with an office here is Frontier Community Credit Union.
Of the 2 locations with published hours. 2 open on Saturday. 7 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Gardner
Short answer: 2 of the 2 Gardner locations with published hours open on Saturday, run by 2 institutions.
- Arvest: 1 of 1 branch (306 E Main St: Saturday 9 am to 12 pm)
- Frontier Community Credit Union: 1 of 1 office (18751 S Gardner Rd: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 7 of the 9 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Gardner, and where the nearest one is if they do not.
Short answer: No branches in Gardner: Chase (nearest in Olathe, 11 mi), Wells Fargo (nearest in Olathe, 9 mi), Bank of America (nearest in Olathe, 8 mi), PNC Bank (nearest in Overland Park, 14 mi), U.S. Bank (nearest in Olathe, 7 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Olathe, 11 mi).
| Bank | In Gardner | Nearest branch if none here |
|---|---|---|
| Chase | None | Olathe, 11 miles away |
| Wells Fargo | None | Olathe, 9 miles away |
| Bank of America | None | Olathe, 8 miles away |
| PNC Bank | None | Overland Park, 14 miles away |
| U.S. Bank | None | Olathe, 7 miles away |
| Truist | None | none in Kansas |
| Fifth Third Bank | None | none in Kansas |
| Huntington | None | none in Kansas |
| Regions Bank | None | none in Kansas |
| TD Bank | None | none in Kansas |
| BMO | None | Olathe, 11 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Gardner to the nearest branch in Kansas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Gardner residents like anyone else.
Banks near Gardner
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Spring Hill (7 miles) and Olathe (9 miles). Overland Park, 15 miles away, has the most banks nearby: 42.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Spring Hill, KS | 7 mi | 4 | 4 |
| Banks in Olathe, KS | 9 mi | 22 | 37 |
| Banks in Wellsville, KS | 11 mi | 2 | 2 |
| Banks in De Soto, KS | 12 mi | 3 | 3 |
| Banks in Eudora, KS | 13 mi | 4 | 4 |
| Banks in Lenexa, KS | 13 mi | 16 | 18 |
| Banks in Overland Park, KS | 15 mi | 42 | 81 |
| Banks in Baldwin City, KS | 15 mi | 3 | 4 |
Bank branch openings and closings in Gardner
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Gardner between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Gardner by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Gardner offices.
Short answer: Arvest is the largest bank with offices in Gardner, with $28.05 billion in total assets on June 30, 2026, No. 77 among U.S. banks by total assets. Central Bank is second with $20.31 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Arvest | $28.05 billion | No. 77 | 1 | Fayetteville, AR |
| Central Bank | $20.31 billion | No. 105 | 2 | Jefferson City, MO |
| Capitol Federal Savings Bank | $9.68 billion | No. 165 | 1 | Topeka, KS |
| Central National Bank | $1.39 billion | No. 796 | 2 | Junction City, KS |
| Mid-America Bank | $573.3 million | No. 1,621 | 1 | Baldwin City, KS |
| Patriots Bank | $268.8 million | No. 2,633 | 1 | Garnett, KS |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Gardner: FAQ
How many banks are in Gardner, KS?
Gardner has 6 banks with 8 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Gardner?
Central Bank, with 2. Central National Bank has 2 and Arvest has 1.
Is there a Central Bank in Gardner, KS?
Yes. FDIC data lists 2 Central Bank branches in Gardner as of September 5, 2026. Its branches are listed under Central Bank above, with the address and directions for each.
Is there a Central National Bank in Gardner, KS?
Yes. FDIC data lists 2 Central National Bank branches in Gardner as of September 5, 2026. Its branches are listed under Central National Bank above, with the address and directions for each.
Is there a Arvest in Gardner, KS?
Yes. FDIC data lists 1 Arvest branch in Gardner as of September 5, 2026. The address and directions are under Arvest above.
Is there a Chase in Gardner, KS?
No. FDIC data lists no Chase branch in Gardner as of September 5, 2026. The nearest is in Olathe, about 11 miles away in a straight line.
Which banks in Gardner are open on Saturday?
Arvest and Frontier Community Credit Union publish Saturday hours for one or more Gardner locations. The Saturday section above lists each one with its hours. 7 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Gardner?
Arvest has the longest record among banks with a branch here: the FDIC shows it operating since 1871.
Which credit unions can I join in Gardner?
Frontier Community Credit Union has an office in Gardner. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Gardner in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Gardner?
Nearby cities with more banks include Spring Hill, Olathe, Wellsville. Spring Hill is 7 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 8 branches: Arvest) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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