PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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