Guthrie County State Bank: how it compares with its peers
Against 118 IA banks with half to twice its assets, Guthrie County State Bank's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $8.6M peer median). Its weakest relative measure is efficiency ratio (66.53% vs. 54.60%).
| Measure | Guthrie County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.42% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.12% | 3.61% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.53% | 54.60% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $8.6M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.13% | 81.62% | Context |
What it means for lending operations
Its efficiency ratio of 66.53% is above the 54.60% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- DeWitt Bank & Trust Co. Dewitt, IA · $277M
- Success Bank Bloomfield, IA · $277M
- Reliance State Bank Story City, IA · $277M
- Iowa State Savings Bank Creston, IA · $277M
- Pioneer Bank Sergeant Bluff, IA · $283M
- FNB Bank Fontanelle, IA · $275M
Questions about Guthrie County State Bank
How big is Guthrie County State Bank?
Guthrie County State Bank, established in 1931, is headquartered in Panora, IA. It reported $279M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Guthrie County State Bank's return on assets?
1.02% annualized in Q2 2026, against a 1.42% median for 118 IA banks with half to twice its assets, ahead of 21% of them.
What is Guthrie County State Bank's efficiency ratio?
66.53% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 54.60%, and lower is better.
Is Guthrie County State Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.