B
Guthrie County State Bank
PanoraIA
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Guthrie County State Bank
Panora, IA
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 4.00
Stability Index 4.90
Company Info Guthrie County State Bank
Panora, IA
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FDIC Number 226
Phone Number (641) 755-2400
Website www.gcsbank.com
Asset Quality Guthrie County State Bank
Panora, IA
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1-Year Asset Growth 0.21%
5-Year Asset Growth 26.12%
5-Year Charge-Offs to Average Loans -0.09%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.34%
Non-Performing Loans to Loans 0.04%
Balance Sheet Guthrie County State Bank
Panora, IA
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Total Assets 284.62M
Total Deposits 202.96M
Capital and Reserves Guthrie County State Bank
Panora, IA
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Capital 25.42M
Leverage Ratio 12.14
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 18.15
Liquidity Guthrie County State Bank
Panora, IA
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Hot Money Ratio 12.42%
Liquidity Ratio 22.26%
Profitability Guthrie County State Bank
Panora, IA
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5-Year Return on Average Assets 0.86%
Net Income 1.92M
Net Interest Spread 2.86%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 66.15%
Return on Assets 0.93%
Return on Equity 10.96%