Guthrie County State Bank
Panora, IA
IDRSSD: 969844
Total Assets
$284.62M
Latest filing
Total Deposits
$202.96M
Latest filing
Net Interest Margin
3.03%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Guthrie County State Bank
505 E Main St
Panora, IA 50216
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/17/1931FDIC Certificate 179
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Guthrie County State Bank (Main) | 505 E Main St | Panora, IA |
| GUTHRIE COUNTY STATE BANK | 413 State St | Guthrie Center, IA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/17/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50216 |
| State and County Number | 19077 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Des Moines-West Des Moines, IA |
Operational Info
| Number of Employees | 25 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.gcsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 226 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $284.62M |
| Total Deposits | $202.96M |
| Total Liabilities | $259.19M |
| Total Equity Capital | $25.42M |
| Net Income | $671.00k |
| Net Loans and Leases | $161.13M |
| Assets Per Employee ($Millions) | $11.86M |
| Bank Premises and Fixed Assets | $3.99M |
| Cash and Balances due from Depository Institutions | $4.25M |
| Deposits Held in Domestic Offices | $202.96M |
Key Performance Ratios
| Return on Assets (ROA) | 0.96% |
| Return on Equity (ROE) | 11.11% |
| Net Interest Margin | 3.03% |
| Efficiency Ratio | 63.88% |
| Tier 1 Risk-Based Capital Ratio | 17.142% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.932% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $3.80M |
| Total Noninterest Income | $210.00k |
| Total Interest Expense | $1.81M |
| Total Noninterest Expense | $1.40M |
| Net Interest Income | $1.99M |
| Pre-tax Net Operating Income | $698.00k |
| Provision for Credit Losses | $96.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $42.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $298.00k |
| Federal Funds Purchased and Repurchased Agreement | $11.84M |
| All Other Liabilities | $1.89M |
| Total Liabilities and Capital | $284.62M |
Securities
| Securities | $103.84M |
| Available-for-sale debt securities | $103.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Guthrie County State Bank?
$284.62M as of the latest filing.
How much are Guthrie County State Bank's total deposits?
$202.96M in total deposits.
Where is Guthrie County State Bank located?
Panora, IA.
What is the Net Interest Margin?
3.03%.
How many domestic offices does it operate?
2.
When was it established?
10/17/1931.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$161.13M (latest filing).
What is the total interest income (latest filing)?
$3.80M.