Guthrie County State Bank

Guthrie County State Bank Locations
505 East Main Street
Panora, IA 50216
(877) 755-2400
www.gcsbank.com

Guthrie County State Bank is headquartered in Panora and is the 165th largest bank in the state of Iowa. It is also the 4,516st largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 25 employees at 2 locations. Guthrie County State Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.



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See Rates for: Checking | Savings | Money Market | CD | IRA

Guthrie County State Bank Checking Account Rates

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0.30%$50k-Affluent Checking
0.03%$500-DDA Now Account

Guthrie County State Bank Savings Account Rates

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1.00%$100-IRA Savings
1.00%$100-Roth IRA Savings
1.00%$100-Education IRA Savings
0.30%$100k-Eagle Savings
0.05%$100-Regular Passbook Savings

Guthrie County State Bank Money Market Rates

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0.10%$2,500-Super-Now DDA Money Market Account
0.10%$2,500-HI-FI Money Market

Guthrie County State Bank CD Rates

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1.76%$100k-60 Month Interest Paid Quarterly CD
1.76%$100k-60 Month Interest Paid Semi-Annually CD
1.51%$100k-48 Month Interest Paid Quarterly CD
1.51%$100k-48 Month Interest Paid Semi-Annually CD
1.26%$100k-36 Month Interest Paid Quarterly CD
1.25%$100k-36 Month Interest Paid Semi-Annually CD
1.00%$100k-24 Month Interest Paid Quarterly CD
1.00%$100k-24 Month Interest Paid Semi-Annually CD
0.75%$500-30 Month Interest Paid Quarterly CD (Renewal Only)
0.75%$500-30 Month Interest Paid Semi-Annually CD (Renewal Only)
0.50%$100k-12 Month Interest Paid Quarterly CD
0.50%$100k-12 Month Interest Paid Semi-Annually CD
0.40%$100k-6 Month Interest Paid Quarterly CD
0.40%$100k-6 Month Interest Paid Semi-Annually CD
0.25%$100k-3 Month Interest Paid Quarterly CD
0.25%$500-18 Month Interest Paid Quarterly CD (Renewal Only)
0.25%$500-18 Month Interest Paid Semi-Annually CD (Renewal Only)

Guthrie County State Bank IRA Rates

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1.76%$100k-60 Month Interest Paid Quarterly IRA CD
1.76%$100k-60 Month Interest Paid Semi-Annually IRA CD
1.76%$100k-60 Month Interest Paid Quarterly Roth IRA CD
1.76%$100k-60 Month Interest Paid Semi-Annually Roth IRA CD
1.76%$100k-60 Month Interest Paid Quarterly Education IRA CD
1.76%$100k-60 Month Interest Paid Semi-Annually Education IRA CD
1.51%$100k-48 Month Interest Paid Quarterly IRA CD
1.51%$100k-48 Month Interest Paid Semi-Annually IRA CD
1.51%$100k-48 Month Interest Paid Quarterly Roth IRA CD
1.51%$100k-48 Month Interest Paid Semi-Annually Roth IRA CD
1.51%$100k-48 Month Interest Paid Quarterly Education IRA CD
1.51%$100k-48 Month Interest Paid Semi-Annually Education IRA CD
1.26%$100k-36 Month Interest Paid Quarterly IRA CD
1.26%$100k-36 Month Interest Paid Quarterly Roth IRA CD
1.26%$100k-36 Month Interest Paid Quarterly Education IRA CD
1.25%$100k-36 Month Interest Paid Semi-Annually IRA CD
1.25%$100k-36 Month Interest Paid Semi-Annually Roth IRA CD
1.25%$100k-36 Month Interest Paid Semi-Annually Education IRA CD
1.00%$100k-24 Month Interest Paid Quarterly IRA CD
1.00%$100k-24 Month Interest Paid Semi-Annually IRA CD
1.00%$100k-24 Month Interest Paid Quarterly Roth IRA CD
1.00%$100k-24 Month Interest Paid Semi-Annually Roth IRA CD
1.00%$100k-24 Month Interest Paid Quarterly Education IRA CD
1.00%$100k-24 Month Interest Paid Semi-Annually Education IRA CD
0.75%$500-30 Month Interest Paid Quarterly IRA CD (Renewal Only)
0.75%$500-30 Month Interest Paid Semi-Annually IRA CD (Renewal Only)
0.75%$500-30 Month Interest Paid Quarterly Roth IRA CD (Renewal Only)
0.75%$500-30 Month Interest Paid Semi-Annually Roth IRA CD (Renewal Only)
0.75%$500-30 Month Interest Paid Quarterly Education IRA CD (Renewal Only)
0.75%$500-30 Month Interest Paid Semi-Annually Education IRA CD (Renewal Only)
0.50%$100k-12 Month Interest Paid Quarterly IRA CD
0.50%$100k-12 Month Interest Paid Semi-Annually IRA CD
0.50%$100k-12 Month Interest Paid Quarterly Roth IRA CD
0.50%$100k-12 Month Interest Paid Semi-Annually Roth IRA CD
0.50%$100k-12 Month Interest Paid Quarterly Education IRA CD
0.50%$100k-12 Month Interest Paid Semi-Annually Education IRA CD
0.40%$100k-6 Month Interest Paid Quarterly IRA CD
0.40%$100k-6 Month Interest Paid Semi-Annually IRA CD
0.40%$100k-6 Month Interest Paid Quarterly Roth IRA CD
0.40%$100k-6 Month Interest Paid Semi-Annually Roth IRA CD
0.40%$100k-6 Month Interest Paid Quarterly Education IRA CD
0.40%$100k-6 Month Interest Paid Semi-Annually Education IRA CD
0.25%$100k-3 Month Interest Paid Quarterly IRA CD
0.25%$500-18 Month Interest Paid Quarterly IRA CD (Renewal Only)
0.25%$500-18 Month Interest Paid Semi-Annually IRA CD (Renewal Only)
0.25%$100k-3 Month Interest Paid Quarterly Roth IRA CD
0.25%$500-18 Month Interest Paid Quarterly Roth IRA CD (Renewal Only)
0.25%$500-18 Month Interest Paid Semi-Annually Roth IRA CD (Renewal Only)
0.25%$100k-3 Month Interest Paid Quarterly Education IRA CD
0.25%$500-18 Month Interest Paid Quarterly Education IRA CD (Renewal Only)
0.25%$500-18 Month Interest Paid Semi-Annually Education IRA CD (Renewal Only)

Rates updated: 5/19/2012

Data for Q1 2012


Institution Statistics


Guthrie County State Bank
FDIC Certificate #226
BankRate ReportView
Year Established1931
Employees25
Primary RegulatorFDIC

Assets and Liabilities

Assets$117.64 million
Loans$65.73 million
Deposits$93.61 million
Equity Capital$10.28 million
Loan Loss Allowance$880,000
Unbacked Noncurrent Loans$318,000
Real Estate Owned$1.56 million

Historic Data - March 2011

Assets$112.43 million
Equity Capital$8.52 million
Loan Loss Allowance$1.15 million
Unbacked Noncurrent Loans$1.76 million
Real Estate Owned$1.21 million

Profit Margin - Quarterly

Net Interest Margin3.57%
Return on Assets1.07%
Return on Equity11.93%
Interest Income$1.14 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Guthrie County State Bank had $1.88 million in non-current loans and owned real-estate with $11.16 million in equity and loan loss allowances on hand to cover it. This gives Guthrie County State Bank a Texas Ratio of 16.84% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Guthrie County State Bank decreased significantly from 29.72% as of March 31, 2011 to 16.84% as of March 31, 2012, resulting in a positive change of 43.35%.This indicates that the balance sheet and financial strength for Guthrie County State Bank has improved significantly in recent periods.
Deposit Growth4
In the past year, Guthrie County State Bank has increased its total deposits by $2.64 million, resulting in 2.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Guthrie County State Bank has shown is above average.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Guthrie County State Bank has $117.64 million in assets with $11.16 million in equity, resulting in a capitalization level of 9.49%, which is average.
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