0.99%
+35.7%y/y
Peer standing40th percentile
FDIC
NETINC + ROAGC
Guthrie County State Bank
Panora, IowaFDIC Cert #226
STATEEstablished 19312 branches
Holding company: GUTHRIE COUNTY BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
10.57%
+20.5%y/y
Peer standing47th percentile
FDIC
NETINC + ROE1.00%
+35.3%y/y
Peer standing30th percentile
FDIC
PTAXNETINC + ASSET3.00%
+16.6%y/y
Peer standing13th percentile
FDIC
NIM + NIMY5.38%
+1.2%y/y
Peer standing45th percentile
FDIC
INTINCY3.56%
−8.3%y/y
Peer standing7th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
67.96%
−6.2%y/y
Peer standing40th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.11%
+9.2%y/y
Peer standing79th percentile
FDIC
NONIX + ASSET9.81%
−4.8%y/y
Percentile by value59th percentileby value
FDIC
NONII + NIM+1.71%
−65.7%y/y
Percentile by value29th percentileby value
FDIC
ASSET−0.90%
−126.0%y/y
Percentile by value19th percentileby value
FDIC
DEP+6.62%
−36.9%y/y
Percentile by value57th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.99%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE10.57%47th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.00%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.96%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−0.90%19th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+6.62%57th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%65th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ12.47%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.56%7th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC41%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.99%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.75%Median 1.31%90th 2.02%Observations 230
ROE
FDIC
NETINC + ROE10.57%36th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.47%Median 12.42%90th 19.31%Observations 230
NIM
FDIC
NIM + NIMY3.00%21st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.79%Median 3.56%90th 4.19%Observations 230
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.96%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.98%Median 57.23%90th 74.51%Observations 230
Deposits YoY
FDIC
DEP−0.90%19th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.59%Median +2.91%90th +9.45%Observations 229
Loans YoY
FDIC
LNLSNET+6.62%69th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.21%Median +4.38%90th +12.18%Observations 228
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.94%Observations 228
Leverage
FDIC
RBC1AAJ12.47%70th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.92%Median 10.85%90th 15.49%Observations 230
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.56%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.46%90th 3.29%Observations 229
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC41%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 88%90th 275%Observations 119
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.99%24th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.81%Median 1.28%90th 2.04%Observations 95
ROE
FDIC
NETINC + ROE10.57%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.98%Median 11.81%90th 17.88%Observations 95
NIM
FDIC
NIM + NIMY3.00%21st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.83%Median 3.55%90th 4.34%Observations 95
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.96%16th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.74%Median 57.27%90th 72.58%Observations 95
Deposits YoY
FDIC
DEP−0.90%18th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.81%Median +2.96%90th +8.71%Observations 95
Loans YoY
FDIC
LNLSNET+6.62%68th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.60%Median +4.59%90th +11.43%Observations 95
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.33%90th 1.95%Observations 95
Leverage
FDIC
RBC1AAJ12.47%65th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.10%Median 11.04%90th 16.66%Observations 95
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.56%3rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.31%90th 3.25%Observations 95
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC41%36th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 52%90th 163%Observations 40
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.