Headquartered in Panora, Iowa, Guthrie County State Bank is a state-chartered bank with $279.2M in total assets and $209.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1931.
Based on its Q2 2026 filing, Guthrie County State Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 83rd. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is earnings (61/100; 1.02%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (66 → 77), mostly because the loan quality component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 70 |
| Q4 2024 | 72 |
| Q1 2025 | 63 |
| Q2 2025 | 66 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.17% |
| Q3 2024 | 11.91% |
| Q4 2024 | 11.75% |
| Q1 2025 | 11.98% |
| Q2 2025 | 12.20% |
| Q3 2025 | 12.14% |
| Q4 2025 | 12.06% |
| Q1 2026 | 12.47% |
| Q2 2026 | 12.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.06% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.17% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.93% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $279.2M | 12.33% | 0.16% | 1.02% | 75.1% |
| Q1 2026 | 77 | $285.1M | 12.47% | 0.17% | 0.99% | 70.6% |
| Q4 2025 | 73 | $279.3M | 12.06% | 0.23% | 0.93% | 78.4% |
| Q3 2025 | 75 | $284.6M | 12.14% | 0.07% | 0.92% | 79.4% |
| Q2 2025 | 66 | $274.7M | 12.20% | 1.17% | 0.91% | 74.4% |
| Q1 2025 | 63 | $280.3M | 11.98% | 1.31% | 0.73% | 65.6% |
| Q4 2024 | 72 | $272.2M | 11.75% | 0.06% | 0.48% | 72.8% |
| Q3 2024 | 70 | $284.0M | 11.91% | 0.09% | 0.32% | 67.2% |
| Q2 2024 | 73 | $264.0M | 12.17% | 0.11% | 0.29% | 64.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| DeWitt Bank & Trust Co.Bank Dewitt, IA | 62 out of 100, Moderate | $277.3M | 9.4% | 1.26% | vs |
| Success BankBank Bloomfield, IA | 79 out of 100, Strong | $277.1M | 12.2% | 0.33% | vs |
| Reliance State BankBank Story City, IA | 43 out of 100, Below average | $276.8M | 9.7% | 2.95% | vs |
| Iowa State Savings BankBank Creston, IA | 74 out of 100, Strong | $276.5M | 9.4% | 0.20% | vs |
| Pioneer BankBank Sergeant Bluff, IA | 77 out of 100, Strong | $282.8M | 10.6% | 0.09% | vs |
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
Deposit insurance
Is my money safe at Guthrie County State Bank?
Yes. Guthrie County State Bank is an FDIC-insured institution (FDIC certificate #226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.4% of deposits ($74.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.72% (benchmark: 10%).
2 locations
Branches
Guthrie County State Bank lists 2 offices in 2 cities. Most locations:
- Guthrie Center, IA (1)
- Panora, IA (1)
HMDA 2025
Mortgage lending
In 2025, Guthrie County State Bank reported 52 home-loan applications under HMDA (LEI 549300VI416LTAV9J614): 50 originated ($10,440,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Guthrie County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 226
- RSSD ID
- 969844
- Primary regulator
- FDIC
- Holding company
- Guthrie County Bancshares Inc
- Established
- October 17, 1931
- Headquarters
- 505 E Main St, Panora, IA 50216
- Website
- www.gcsbank.com
- Employees
- 25
Quick answers
Guthrie County State Bank: common questions
Is Guthrie County State Bank FDIC insured?
Yes. Guthrie County State Bank is an FDIC-insured institution (FDIC certificate #226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Guthrie County State Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Guthrie County State Bank ever failed?
There is no failure record for FDIC certificate #226 in the FDIC failed bank list.
How many branches does Guthrie County State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Panora
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Yale, IA | 90 out of 100, Very strong | $72.6M | 12.0% | 0.00% | vs |
| First State BankBank Stuart, IA | 82 out of 100, Strong | $129.7M | 11.9% | 0.03% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |
| The Family Credit UnionCredit union Davenport, IA | 75 out of 100, Strong | $253.3M | 14.0% | 1.10% | vs |
| Union State BankBank Greenfield, IA | 71 out of 100, Strong | $168.7M | 9.3% | 0.51% | vs |
| Midwest Heritage Bank, FSBBank West Des Moines, IA | 68 out of 100, Moderate | $768.3M | 12.8% | 1.78% | vs |