GIFFORD STATE BANK, THE is an FDIC-insured commercial bank headquartered in GIFFORD, IL. 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%. CET1 capital ratio: 13.73%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 0.99%. Operates 4 domestic branches.
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