# GUTHRIE COUNTY STATE BANK
PANORA, IA · FDIC certificate 226 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $279.2M | |
| Deposits | $209.3M | |
| Loans and leases | $159.3M | |
| Total equity | $27.7M | |
| Loans / deposits | 75.13% (p53 of band) | 73.59% |
| Liquid assets / assets | 38.48% (p61 of band) | |
| Uninsured deposits / deposits | 35.39% (p89 of band) | 19.81% |
| Brokered deposits | 8.18% | |
| Wholesale funding | 22.61% (p96 of band) | |
| FHLB advances / assets | 12.71% | |
| Tier 1 leverage | 12.33% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -27.09% (p16 of band) | -6.57% |
| AOCI / equity | 1.69% (p98 of band) | |
| ROA (annualized) | 1.02% (p41 of band) | 1.17% |
| Net interest margin | 3.12% (p16 of band) | 3.93% |
| Efficiency ratio | 66.53% (p52 of band) | |
| Noncurrent loans | 0.16% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 780.62% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 16.30% (p48 of band) | |
| Auto loans | $3.1M (1.98% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 1 | uninsured deposits leaving | deposits shrinking |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | wholesale funding >15%, capital falling |  |
| 2017-06 | 3 | deposits shrinking |  |
| 2017-09 | 2 | charge-offs p90 | capital falling, deposits shrinking |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | wholesale funding >15%, charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | brokered >10%, wholesale funding >15%, AOCI drag >20% of equity |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 6 | uninsured deposits >50%, capital falling |  |
| 2022-12 | 4 |  | uninsured deposits >50%, capital falling |
| 2023-03 | 4 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 7 | assets shrinking |  |
| 2023-12 | 4 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2024-03 | 3 |  | brokered >10% |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 5 | brokered >10% |  |
| 2024-12 | 4 |  | brokered >10% |
| 2025-03 | 3 | reserve under noncurrent | NIM <2.5%, capital falling |
| 2025-06 | 2 |  | reserve under noncurrent |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | capital falling | securities losses >30% of equity |
| 2026-03 | 2 | securities losses >30% of equity | capital falling |
| 2026-06 | 1 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-08-11 [Guthrie County State Bank Matching ACGC Fitness Center Donations - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQMmg5NzNtVmlxX1R1Z0Q1Rm9uTWN4YXRZbG40LW1nOUxOWmh4TTViSmNCZ29fdTNiLUtMUWt6dkRTLWRiT0xELVI5bXppdW5DT1lpbXM3TkRwdEgzUng4Z3E4YWhCOGR2cUNpb29TaDhrZ2VoeTN5YXF2WFpxcWh6eVJ6NEticFVyRm1CcFN0aEhjM0QyRDdyRFpuNlIzMm5uLUliY04yRHVBRUFGa2pESQ?oc=5) · raccoonvalleyradio.com
- 2018-02-07 [Cates Promoted to Vice-President, Branch Manager at Guthrie County State Bank - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOdnlUTUdSVThhaUJNUDdQeUVfUzNHdjFPSDFTUE0yVlpuMTFwWGZBdE1nU0lra2tTaUctUkpTMTVZLXB3TjB1Tmx1YkoybmtDYnhOQkMyLXB1SVZHNWdZM0NJWUhlb0h3V0VPY2VwRVJ0SlBlVTE2VG9nQU1FT3NvSVduMm9ha1VncTg1VTFJWG1iTndWSU8tVGFtaHBYUW41ZWlhcS12TDNRUDNiNER2anN6T085bng3WmhDX25BVkg?oc=5) · raccoonvalleyradio.com
- 2026-02-24 [Dennis Forest Kunkle Obituary (2026) - Guthrie Center, IA - Twigg Funeral Home - Guthrie Center - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxObkE3ZGI4TnRpVlpzRXotb3RZYkVnMmxRWW4zaFBqNDJBeWFGQXJXS0c2N3BWQXc5YndlTU5hYVo4dHRaRUhVNF9JZVY2ekczUjRvT2lzOTNXeHdCcmJTaXo0VEJOdExiNjV0TGdXQm9ETHNWTDMxeVRJTjhTLWVCdXlB?oc=5) · legacy.com
- 2010-06-13 [Gurden Barnett Obituary Jun 13, 2010 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5zczhxeTZOTU5GeDRsdF9XZUZPSDFldm5LTTNKMWxVb1M5dkxvWkRLX05va1dSNWRoWWtaVVUwak1PaktjbjQyZEp5bHU2aWttdzRaeFVVNGMxd0E1ZlFmd25ZMlI?oc=5) · Bustard &amp; Jacoby Funeral Home
- 2025-05-23 [Memorial Day Closures in Guthrie County - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeTBKOXNQWXBQRHF2RnZlcklpamJXaExtWXpoaXdEc3VQSVUxSHZoeWRpYkJScWEtWjF6dFlES0tqazhrNUFEQVdEQkNfWmlnYWVqSXZOQ1hiazM3T2czZ0h2R2l4b0FCQUlCSGVXeWpmNjBEZnpkeUdIbkk4V0lXa1ZLcHhnOUIyVVJoWDg3dXNRUQ?oc=5) · raccoonvalleyradio.com
- 2025-07-24 [Panorama Puts out Petition to Include Bond for Projects on November Ballot - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTTZaMGp1S2xxMDhzSkdYZXYxcl9rQS1wTWNDdEgtWFZ5X0VLNW9RSzdMMThFSUlueDZSeUNNUTUxWHNUWkJZRWEyS0FIa0JFazJaTG50TE9RZlY3UWFRaVBwakpTb1cyeDFfTG5SRWE2Z1Z1NTJRdmk2Zk4yUVVBelhoOU9kUk5pcHJQeEgxRFdOTUQwejZWbi0xbF9XSnZhUDc3YmNpOGNJemxjUzhNVTBYaXB3TlpQVjNKeWRn?oc=5) · raccoonvalleyradio.com
- 2020-09-10 [ACGC Fitness Center Donation Matching Campaign Ongoing - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOTk40OFRlak8tdnZqWm51Q0ZuVDIyM3YzR1BVODZYXzZsQ0MzRkt0NElOSjBQTnBPN3o0clVIVzJIcEY4VnJ0T21mWG5PbmVWYURRMUx5c1RkVHlWc3hLcDI2M1k1eUJUUTFtSkpQT1QtZEdKNmd6dk5KR3BZY25BS19mUTJ0Z3pRSU80ZkItQVE5NzVMSExXYThuTUgxMF9HWFNZ?oc=5) · raccoonvalleyradio.com
- 2021-05-06 [Colorful Birds Migrating to and Through Iowa - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTUFBVGZKNTlJcVN2NjlCMDNHcVdKMGphekpVUFVJUHdsNmEza1NreWUwM3dobE93M2FPUlE3LV9CSGN6UjdsX09sUDV0cXdXNVJrVXJTZXlZS0d2NzdUN2pGUExZVEhoRXZTd1pZeFRmdmF5VEZISXhsUXZDVTh6M2F1aS1kcGhtZHFvYmpxOEc4Qjcxc1E?oc=5) · raccoonvalleyradio.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=226 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "226", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide