GIFFORD STATE BANK, THE

GIFFORD, IL | Small | Est. Jan. 1, 1885, midnight | FDIC #10467 | RSSD #557438 | FDIC
Latest Report: 2025-12-31

GIFFORD STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in GIFFORD, IL, established in Jan. 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $190M and total deposits of $162M. Profitability stands at 3.08% ROA and 23.02% ROE, with a net interest margin of 5.35%. The bank's CET1 capital ratio is 13.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.99%. FDIC Certificate #10467.

Assets

$190M

Deposits

$162M

Loans

$141M

Equity

$26M

Profitability

Return on Assets (ROA) 3.08%
Return on Equity (ROE) 23.02%
Net Interest Margin (NIM) 5.35%
Yield on Assets 6.10%
Cost of Funds 0.80%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio -0.14%
Texas Ratio 0.99%
NPA Ratio 0.15%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 13.73%
Tier 1 Capital 13.73%
Total Capital Ratio 14.41%
Leverage Ratio 13.52%
Loan-to-Deposit 87.23%

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