🏦Bank Scorer

GUTHRIE COUNTY STATE BANK

PANORA, IA · Supervised by FDIC

Est. 1931FDIC #226RSSD: FDIC-226
Part ofGUTHRIE COUNTY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

505 E Main St, PANORA, IA

County

Guthrie County

Established

October 17, 1931

Total Assets

$285M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$285M

Total Deposits

$214M

Net Loans

$151M

Net Income

$700K

ROA

0.99%

ROE

10.57%

Risk-Based Capital

18.44%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$206M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202445100%0.00%
20233889.47%7.89%
20195594.55%3.64%
20183494.12%2.94%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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