Guthrie County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guthrie County State Bank of Panora, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.06% | 1.34% | -0.28% | 37th below |
| ROAE | 10.99% | 13.31% | -2.32% | 42nd below |
| Net Interest Margin | 3.23% | 3.93% | -0.70% | 17th bottom |
| Efficiency Ratio | 63.18% | 61.14% | +2.04% | 44th below |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 5.51% | 5.67% | -0.16% | 46th below |
| Cost of Funds | 2.48% | 1.88% | +0.60% | 16th bottom |
| Net Interest Spread | 2.64% | 3.32% | -0.68% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.24% | 0.94% | +1.30% | 11th bottom |
| NPA / Total Assets | 1.28% | 0.70% | +0.58% | 15th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 56.56% | 1539.11% | -1482.55% | 13th bottom |
| Texas Ratio | 11.97% | 7.33% | +4.64% | 17th bottom |
| Provision / NCO | -60.00% | 1396.09% | -1456.09% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.71% | 19.50% | -2.79% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.71% | 19.54% | -2.83% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.72% | 20.62% | -2.90% | 61st above |
| Leverage Ratio | 12.33% | 12.14% | +0.19% | 68th above |
| Equity / Assets | 9.93% | 11.37% | -1.44% | 44th below |
| TCE / Tangible Assets | 9.93% | 11.09% | -1.16% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.09% | 80.64% | -4.55% | 59th above |
| Core Deposit Ratio | 83.43% | 86.86% | -3.43% | 25th below |
| Wholesale Funding Ratio | 14.42% | 5.03% | +9.39% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.64% | 6.85% | -5.21% | 30th below |
| Loan Growth (Y/Y) | 2.72% | 7.90% | -5.18% | 35th below |
| Deposit Growth (Y/Y) | 1.60% | 6.29% | -4.69% | 33rd below |
See Guthrie County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guthrie County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Guthrie County State Bank profile, how to read a UBPR, or how this data updates.