GUTHRIE COUNTY STATE BANK

PANORA, IA | Small | Est. Oct. 17, 1931, midnight | FDIC #226 | RSSD #969844 | FDIC
Latest Report: 2025-12-31

GUTHRIE COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in PANORA, IA, established in Oct. 17, 1931, midnight. As of 2025-12-31, the bank reported total assets of $279M and total deposits of $203M. Profitability stands at 0.92% ROA and 9.99% ROE, with a net interest margin of 3.16%. The bank's CET1 capital ratio is 16.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.61%. FDIC Certificate #226.

Assets

$279M

Deposits

$203M

Loans

$161M

Equity

$27M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 9.99%
Net Interest Margin (NIM) 3.16%
Yield on Assets 5.86%
Cost of Funds 2.87%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.61%
NPA Ratio 0.06%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 16.96%
Tier 1 Capital 16.96%
Total Capital Ratio 17.99%
Leverage Ratio 12.07%
Loan-to-Deposit 79.36%

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