Guthrie County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Guthrie County State Bank is an FDIC-insured commercial bank headquartered in Panora, IA, established in 1931 (FDIC certificate 226), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $279.2M, up 1.6% from Q2 2025, the 110th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 16.71% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 226
- Headquarters
- Panora, IA
- Established
- 1931
- Total assets, Q2 2026
- $279.2M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 16.71%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073921404
- Latest call report
- Q2 2026, FFIEC 051 · Guthrie County State Bank call report
- Holding company
- GUTHRIE COUNTY BANCSHARES, INC.
- Asset rank in state
- 110th of 225 in Iowa
Guthrie County State Bank, based in Panora, Iowa, reported $279 million in assets at June 30, 2026, up 1.6% from a year earlier. It keeps 3.23 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.48% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 1.17%. Its $29 million commercial and industrial book is improving, with 0.19% past due or on nonaccrual, down from 3.40% a year earlier.
As of June 30, 2026, Guthrie County State Bank reported a CET1 capital ratio of 16.71%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.87%. The figures come from its call report filed with the FFIEC.
Guthrie County State Bank ranks as the 110th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $279.2M, loans rose 3.9% and deposits fell 2.4%. 1-4 family residential loans made up 24.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.0%. Its 2 offices in the FDIC Summary of Deposits are in Guthrie Center, IA and Panora, IA; its Guthrie Center office books 73% of its branch deposits. Judged on its Q2 2026 call report, Guthrie County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 505 E Main St, Panora, IA 50216
- County
- Guthrie
- Metro Area
- Des Moines-West Des Moines, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 17, 1931
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $209.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $280.0M
- Average total loans
- $154.9M
- Average interest-bearing deposits
- $174.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 226
- Fed RSSD
- 969844
- SEC CIK
- 1595811 → filed by GUTHRIE COUNTY BANCSHARES, INC.
- Website
- www.gcsbank.com →
- Parent Holding Company
- GUTHRIE COUNTY BANCSHARES, INC. (RSSD 1208380)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Guthrie County State Bank's total assets ran between $249.9M (Q3 2023) and $285.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$279.2M total assets against $274.7M; $251.5M total liabilities against $251.8M.
$157.3M net loans and leases against $153.2M; $209.3M total deposits against $206.0M.
$100.5M securities against $103.1M; $7.0M cash and balances due against $4.5M.
$3.7M total interest income against $3.6M; $1.6M total interest expense against $1.7M.
$2.1M net interest income against $1.9M.
$196K total noninterest income against $247K; $1.5M total noninterest expense against $1.4M.
$38K provision for credit losses against $60K.
$741K net income against $746K.
1.06% return on assets against 1.10%; 3.23% net interest margin against 2.96%.
16.71% CET1 capital ratio against 17.30%; 12.33% tier 1 leverage ratio against 12.20%.
Inside the full Guthrie County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGuthrie County State Bank rankings
Its closest position to the top of a national ranking is 622 of 2,134, for CET1 ratio; its furthest is 2,753 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.38% (Q3 2024) to 1.10% (Q2 2025) and its net interest margin ran from 2.40% (Q3 2024) to 3.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.71% | 1.06% | 0.16% | 0.87% | 3.23% |
| Q1 2026 | 17.40% | 1.02% | 0.17% | 0.91% | 3.07% |
| Q4 2025 | 16.96% | 0.92% | 0.23% | 1.28% | 3.08% |
| Q3 2025 | 17.14% | 0.97% | 0.07% | 0.44% | 3.02% |
| Q2 2025 | 17.30% | 1.10% | 1.17% | 7.37% | 2.96% |
| Q1 2025 | 17.44% | 0.74% | 1.31% | 7.60% | 2.60% |
| Q4 2024 | 17.39% | 0.96% | 0.06% | 0.34% | 2.72% |
| Q3 2024 | 17.49% | 0.38% | 0.09% | 0.50% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Guthrie County State Bank (main office) | Guthrie Center , IA | 50115 | $152.8M |
| Guthrie County State Bank (main office) | Panora , IA | 50216 | $56.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 131 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 52 applications, 50 loans originated, $10.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $132K approved, $132K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Guthrie County State Bank
What are Guthrie County State Bank's total assets?
As of the Q2 2026 filing, Guthrie County State Bank reported total assets of $279.2 million in its FFIEC call report.
Where is Guthrie County State Bank headquartered?
It is headquartered in Panora, IA, United States.
When was Guthrie County State Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Guthrie County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guthrie County State Bank?
Guthrie County State Bank's primary federal regulator is the FDIC.
What is Guthrie County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Guthrie County State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guthrie County State Bank's Texas Ratio?
Its Texas Ratio is 0.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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