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Gifford State Bank, The

Gifford, IL · Cert 10467

FDIC · 4 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=815 to 821). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q4 2025peer median (50)

Asset Quality

47

Q2 2024Q4 2025peer median (50)

Profitability

92

Q2 2024Q4 2025peer median (50)

Liquidity

59

Q2 2024Q4 2025peer median

Efficiency

90

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gifford State Bank, The

Gifford, IL · Cert 10467

FDIC · 4 branches

Q4 2025

$189.6MAssets
$141.2MLoans
$161.8MDeposits
$26.0MEquity
Loan mix
84%RE $91.6M13%C&I $14.3M3%Consumer $3.4MQ1 2024Q4 2025
Deposit mix
80%Interest-bearing $128.6M20%Noninterest $33.2MQ1 2024Q4 2025

Market Position · Champaign-Urbana, IL · 2025 SOD (annual) · 1.9% share · #14 of 33 inst. · $0.1B of $8.1B

2.2% Champaign
0.8% Vermilion

Executive Summary

  • Earnings: ROA of 2.11%, up 40 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.46% of loans (+20 bps YoY), with net recoveries of 0.14%.
  • Capital: tier 1 leverage ratio of 13.52%, up 112 bps from a year ago.
  • Funding: loans stand at 87.23% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

2.11%+40 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+35 bps YoY

Efficiency Ratio (YTD, annualized)

50.72%-366 bps YoY

Tier 1 Leverage Ratio

13.52%+112 bps YoY

NIM

4.28%Q4 ’234.91%Q4 ’245.35%Q4 ’25+9%+8%

Non-interest income vs. expense

2.48%Q4 ’232.59%Q4 ’242.61%Q4 ’25+2%0%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.51%1.61%1.61%1.71%1.78%1.87%1.99%2.11%+40 bps
Return on Equity13.56%14.27%14.03%14.68%14.54%15.03%15.74%16.42%+173 bps
Net Interest Margin3.99%4.20%4.29%4.31%4.31%4.58%4.66%4.66%+35 bps
Efficiency Ratio55.54%54.34%54.87%54.38%51.31%50.45%51.29%50.72%-366 bps
Non-Interest Burden2.12%2.16%2.23%2.14%2.11%2.21%2.28%2.13%-1 bps
Growth
Asset Growth (YoY)-6.61%-4.53%-2.92%0.93%1.76%0.52%4.08%0.41%-52 bps
Loan Growth (YoY)11.71%8.45%5.35%3.36%2.91%4.62%6.77%6.91%+355 bps
Deposit Growth (YoY)-8.54%-6.37%-4.71%-0.54%0.42%-1.01%2.93%-1.29%-74 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.22%0.15%0.26%0.19%0.23%0.18%0.46%+20 bps
Net Charge-Offs / Loans0.02%0.28%0.16%0.16%0.00%-0.01%-0.23%-0.14%-31 bps
Allowance / Loans1.73%1.59%1.59%1.54%1.52%1.50%1.46%1.44%-10 bps
Allowance Coverage of NPLs2.1x7.1x10.5x5.9x8.1x6.6x8.1x3.1x-2.8x
Capital
Tier 1 Leverage Ratio11.12%11.65%12.07%12.40%12.03%12.81%13.28%13.52%+112 bps
Total Risk-Based Capital11.12%11.65%12.07%12.40%12.03%12.81%13.28%13.52%+112 bps
Equity / Assets11.25%11.65%12.09%12.23%12.32%12.88%13.01%13.73%+150 bps
Liquidity & Funding
Loans / Deposits78.47%79.45%81.55%80.54%80.42%83.97%84.59%87.23%+669 bps
Liquid Assets / Assets24.64%23.67%22.05%22.47%24.21%21.42%19.01%18.39%-408 bps
CRE / Total Capitaln/an/an/an/an/an/a32.97%34.90%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gifford State Bank, The

Gifford, IL · Cert 10467 · Peer group: banks under $1B in assets operating in a single state (n=815-821)

FDIC · 4 branches

Q4 2025

$189.6MAssets
$141.2MLoans
$161.8MDeposits
$26.0MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets operating in a single state (rank 503 of 821).
  • Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets operating in a single state (rank 482 of 821).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.12%

Rank 38 of 821

Net Interest Margin

4.66%

Rank 60 of 821

Efficiency Ratio

50.72%

Rank 87 of 821

Equity / Assets

13.73%

Rank 167 of 821

Non-interest income vs. expense

$0.9M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state
Bank 50.72%Peer median 67.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.12%0.60%0.92%1.29%Beats 95%38 / 821
Return on Equity15.41%5.53%9.01%12.39%Beats 89%87 / 821
Net Interest Margin4.66%2.96%3.47%4.01%Beats 93%60 / 821
Efficiency Ratio50.72%58.51%67.52%77.71%Beats 90%87 / 821
Asset Quality
Nonperforming Loans / Loans0.46%0.07%0.39%1.09%Beats 47%429 / 815
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.52%11.57%13.96%18.25%Beats 46%445 / 821
Total Risk-Based Capital Ratio13.52%11.91%14.63%18.88%Beats 41%482 / 821
Equity / Assets13.73%8.73%10.33%12.96%Beats 80%167 / 821
Liquidity & Funding
Loans / Deposits87.23%61.85%77.93%91.10%67th pctl267 / 815
Loans / Assets74.43%53.55%66.75%76.60%70th pctl247 / 815
Brokered Deposits / Deposits0.00%n/an/a3.16%Beats 100%503 / 821