Goodfield State Bank
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Data as of · sourced from FFIEC call reports. How we update
Goodfield State Bank is an FDIC-insured commercial bank headquartered in Goodfield, IL, established in 1920 (FDIC certificate 11699), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $285.5M, up 19.4% from Q2 2025, the 159th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11699
- Headquarters
- Goodfield, IL
- Established
- 1920
- Total assets, Q2 2026
- $285.5M
- Assets vs Q2 2025
- +19.4%
- Tier 1 leverage ratio, Q2 2026
- 10.58%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071118659
- Holding company
- GOODFIELD FINANCIAL CORPORATION
- Asset rank in state
- 159th of 319 in Illinois
Problem loans are rising at Goodfield State Bank. Its balance sheet stood at $286 million at June 30, 2026, up 19.4% from a year earlier; it is based in Goodfield, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.59% of loans from 0.46% a year earlier. It earns about $2.90 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
The commercial and industrial book ($45 million) is worsening: 11.74% of it is past due or on nonaccrual, up from 2.29% a year earlier. Earnings jumped: net income for the quarter was $2.1 million, 42% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 18.6% of the capital and reserves that would absorb them, 7.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Goodfield State Bank reported a return on assets of 2.90%, a nonperforming-loan ratio of 2.59% and a Texas ratio of 18.64%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Goodfield State Bank is the 159th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $285.5M, loans rose 5.0% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.2% of total loans, ahead of commercial and industrial loans at 20.2%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in IL; its Goodfield office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Goodfield State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Eureka St, Goodfield, IL 61742
- County
- Woodford
- Metro Area
- Peoria, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 14, 1920
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $250.1M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $286.3M
- Average total loans
- $219.4M
- Average interest-bearing deposits
- $218.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11699
- Fed RSSD
- 936837
- Website
- www.goodfieldstatebank.com →
- Parent Holding Company
- GOODFIELD FINANCIAL CORPORATION (RSSD 3154333)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Goodfield State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Goodfield State Bank's total assets ranged from $197.2M (Q3 2023) to $285.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$285.5M total assets against $239.1M; $256.5M total liabilities against $214.0M.
$221.2M net loans and leases against $200.4M; $250.1M total deposits against $208.9M.
$22.9M securities against $22.2M; $32.5M cash and balances due against $8.6M.
$4.2M total interest income against $3.4M; $1.3M total interest expense against $1.1M.
$2.9M net interest income against $2.3M.
$538K total noninterest income against $565K; $1.3M total noninterest expense against $1.3M.
$75K provision for credit losses against $75K.
$2.1M net income against $1.5M.
2.90% return on assets against 2.49%; 4.29% net interest margin against 4.11%.
10.58% tier 1 leverage ratio against 11.63%.
Inside the full Goodfield State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGoodfield State Bank rankings
Its closest position to the top of a national ranking is 83 of 3,611, for ROA; its furthest is 2,534 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.77% (Q4 2024) to 2.90% (Q2 2026) and its net interest margin ran from 3.75% (Q4 2024) to 4.29% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.58% | 2.90% | 2.59% | 18.64% | 4.29% |
| Q1 2026 | 10.78% | 2.52% | 1.45% | 9.99% | 4.12% |
| Q4 2025 | 11.13% | 1.93% | 1.11% | 7.81% | 4.25% |
| Q3 2025 | 11.56% | 2.56% | 0.70% | 4.94% | 4.23% |
| Q2 2025 | 11.63% | 2.49% | 0.46% | 3.43% | 4.11% |
| Q1 2025 | 11.85% | 2.24% | 0.96% | 7.03% | 3.93% |
| Q4 2024 | 11.92% | 1.77% | 0.73% | 5.40% | 3.75% |
| Q3 2024 | 12.17% | 2.27% | 0.89% | 6.35% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Goodfield State Bank (main office) | Goodfield , IL | 61742 | $107.8M |
| Metamora Il Branch | Metamora , IL | 61548 | $47.9M |
| Eureka Branch | Eureka , IL | 61530 | $38.2M |
| Roanoke Branch | Roanoke , IL | 61561 | $21.0M |
| Washington Branch | Washington , IL | 61571 | $19.2M |
| Varna Branch | Varna , IL | 61375 | $15.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 183 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 267 applications, 265 loans originated, $46.4M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Goodfield State Bank
What are Goodfield State Bank's total assets?
As of the Q2 2026 filing, Goodfield State Bank reported total assets of $285.5 million in its FFIEC call report.
Where is Goodfield State Bank headquartered?
It is headquartered in Goodfield, IL, United States.
When was Goodfield State Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Goodfield State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Goodfield State Bank?
Goodfield State Bank's primary federal regulator is the FDIC.
How many branches does Goodfield State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Goodfield State Bank's Texas Ratio?
Its Texas Ratio is 18.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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