Panora, IA · Cert 226 · Guthrie County Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
50
Profitability
4
Liquidity
100
Efficiency
16
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Panora, IA · Cert 226 · Guthrie County Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.6% share · #26 of 57 inst. · $0.2B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.39% | 0.60% | 0.74% | 0.75% | 0.76% | 0.82% | 0.84% | +10 bps | |
| Return on Equity | 3.07% | 4.61% | 7.19% | 8.88% | 8.87% | 8.77% | 8.72% | 8.79% | -10 bps | |
| Net Interest Margin | 2.10% | 2.14% | 2.42% | 2.62% | 2.66% | 2.69% | 2.87% | 2.93% | +31 bps | |
| Efficiency Ratio | 80.43% | 76.81% | 72.44% | 67.40% | 66.15% | 65.85% | 67.96% | 66.53% | -87 bps | |
| Non-Interest Burden | 1.63% | 1.58% | 1.68% | 1.66% | 1.66% | 1.66% | 1.85% | 1.85% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.68% | 2.14% | 4.99% | 4.04% | 0.21% | 2.59% | 1.71% | 1.64% | -240 bps | |
| Loan Growth (YoY) | 14.83% | 13.32% | 10.47% | 13.95% | 13.73% | 9.96% | 6.69% | 2.72% | -1,123 bps | |
| Deposit Growth (YoY) | 9.58% | -3.56% | 3.48% | -1.45% | -3.64% | 2.11% | -0.90% | 1.60% | +304 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.06% | 1.31% | 1.17% | 0.07% | 0.23% | 0.17% | 0.16% | -101 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.24% | 1.18% | 1.19% | 1.26% | 1.31% | 1.26% | +9 bps | |
| Allowance Coverage of NPLs | 13.2x | 20.9x | 0.9x | 1.0x | 16.1x | 5.5x | 7.8x | 7.8x | +6.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 11.75% | 11.98% | 12.20% | 12.14% | 12.06% | 12.47% | 12.33% | +13 bps | |
| Total Risk-Based Capital | 18.46% | 18.36% | 18.41% | 18.28% | 18.15% | 17.99% | 18.44% | 17.72% | -55 bps | |
| Equity / Assets | 8.65% | 8.48% | 8.20% | 8.33% | 8.93% | 9.60% | 9.19% | 9.93% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.07% | 73.70% | 66.41% | 75.26% | 80.34% | 79.36% | 71.51% | 76.09% | +83 bps | |
| Liquid Assets / Assets | 3.68% | 0.29% | 5.57% | 0.43% | 0.30% | 0.32% | 5.51% | 1.07% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 83.06% | 81.56% | 84.69% | n/a | n/a | |
Panora, IA · Cert 226 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Guthrie County Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.85%
Rank 19 of 19
Net Interest Margin
2.93%
Rank 17 of 19
Efficiency Ratio
66.53%
Rank 17 of 19
Equity / Assets
9.93%
Rank 8 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 1.05% | 1.15% | 1.42% | Beats 0% | 19 / 19 | ||
| Return on Equity | 8.53% | 10.97% | 12.15% | 13.79% | Beats 0% | 19 / 19 | ||
| Net Interest Margin | 2.93% | 3.08% | 3.50% | 3.67% | Beats 11% | 17 / 19 | ||
| Efficiency Ratio | 66.53% | 52.38% | 57.82% | 63.73% | Beats 16% | 17 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | n/a | 0.21% | 0.91% | Beats 56% | 9 / 18 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.01% | Beats 44% | 11 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.71% | 10.79% | 12.38% | 16.13% | Beats 79% | 4 / 19 | ||
| Total Risk-Based Capital Ratio | 17.72% | 11.60% | 13.40% | 17.04% | Beats 79% | 4 / 19 | ||
| Equity / Assets | 9.93% | 8.64% | 9.66% | 11.07% | Beats 58% | 8 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.09% | 65.91% | 76.09% | 88.00% | 47th pctl | 10 / 19 | ||
| Loans / Assets | 57.04% | 57.37% | 63.36% | 76.16% | 16th pctl | 16 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||