BlastPoint's Banking Scorecard

Guthrie County State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 226

Panora, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Guthrie County State Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Net Interest Margin 0.93% below tier average
- Efficiency Ratio 2.67% above tier average

Get updates when Guthrie County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$285.1M +1.7% YoY +2.1% QoQ	-$101.0M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$151.3M +6.6% YoY -4.7% QoQ	-$104.4M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$214.4M -0.9% YoY +5.8% QoQ	-$113.6M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	0.99% +35.7% YoY +7.3% QoQ	-0.28%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.00% +16.6% YoY +2.6% QoQ	-0.93%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 11.4% in tier
Efficiency Ratio ?	67.96% -6.2% YoY +3.2% QoQ	+2.67%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.17% -87.1% YoY -26.6% QoQ	-0.72%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	70.57% +7.6% YoY -9.9% QoQ	-6.07%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	17.53% +10.1% YoY -7.6% QoQ	-4.49%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.09% -86.5% YoY -31.5% QoQ	-0.55%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	17.40% -0.2% YoY +2.6% QoQ	+1.57%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.08% +11.3% YoY -76.5% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

565

Tier 1 Capital Ratio

capital

Value: 17.40%

Peer Median: 15.83%

#565 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

2360

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.93%

#2360 of 2664 Bottom 11.4% in $100M-$1B