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
Unfavorable gap of $4.1M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.12% | 0.60% | 0.92% | 1.29% | Beats 95% | 38 / 821 | |
| Return on Equity | 15.41% | 5.53% | 9.01% | 12.39% | Beats 89% | 87 / 821 | |
| Net Interest Margin | 4.66% | 2.96% | 3.47% | 4.01% | Beats 93% | 60 / 821 | |
| Efficiency Ratio | 50.72% | 58.51% | 67.52% | 77.71% | Beats 90% | 87 / 821 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.07% | 0.39% | 1.09% | Beats 47% | 429 / 815 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.57% | 13.96% | 18.25% | Beats 46% | 445 / 821 | |
| Total Risk-Based Capital Ratio | 13.52% | 11.91% | 14.63% | 18.88% | Beats 41% | 482 / 821 | |
| Equity / Assets | 13.73% | 8.73% | 10.33% | 12.96% | Beats 80% | 167 / 821 | |
| Liquidity & Funding |
| Loans / Deposits | 87.23% | 61.85% | 77.93% | 91.10% | 67th pctl | 267 / 815 | |
| Loans / Assets | 74.43% | 53.55% | 66.75% | 76.60% | 70th pctl | 247 / 815 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.16% | Beats 100% | 503 / 821 | |