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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