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Guthrie County State Bank
Panora, IA · FDIC Certificate #226 · Chartered 10/1
Total assets
$279.23M
Total deposits
$209.33M
Total equity
$27.73M
Net loans
$157.27M
Branches (offices)
2
Net income (YTD)
$1.44M
Rank: #2,571 of 4,213 U.S. banks by assets · #110 of 225 in Iowa. Assets changed 1.6% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 10.71% |
| Net interest margin (YTD) | 3.12% |
| Equity to assets | 9.93% |
| Tier 1 leverage ratio | 12.33% |
| Uninsured deposits (share of deposits) | 35.4% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 75.1% |
| Real estate loans (share of loans) | 65.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $102.84M | 65.4% | |
| Commercial & industrial | $29.38M | 18.7% | |
| Consumer / individual | $6.22M | 4.0% | |
| Construction & development | $4.52M | 2.9% | |
| Agricultural | $20.79M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $267.55M | $225.10M | $1.60M | $19.86M |
| Jun 2023 | $257.18M | $200.14M | $488.00K | $20.15M |
| Jun 2024 | $264.05M | $209.06M | $388.00K | $22.40M |
| Jun 2025 | $274.72M | $206.04M | $1.25M | $22.89M |
| Jun 2026 | $279.23M | $209.33M | $1.44M | $27.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $209.33M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $209.33M.
Similar-sized banks
Town & Country Bank Midwest ($279.25M) · First Federal Savings And Loan Association Of Valdosta ($278.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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