The Gifford State Bank
Gifford, IL
IDRSSD: 557438
Total Assets
$189.64M
Latest filing
Total Deposits
$161.82M
Latest filing
Net Interest Margin
5.37%
Profitability
Key People
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Locations
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Main Office
The Gifford State Bank
304 S Main St
Gifford, IL 61847
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1885FDIC Certificate 6695
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Gifford State Bank (Main) | 304 S Main St | Gifford, IL |
| SAINT JOSEPH BRANCH | 218 East Lincoln | Saint Joseph, IL |
| THOMASBORO BRANCH | 101 Main St | Thomasboro, IL |
| POTOMAC IL BRANCH | 108 E State St | Potomac, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1885 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61847 |
| State and County Number | 17019 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Champaign-Urbana, IL |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.giffordbank.com |
| Data Updated | 01/30/2026 |
| CERT | 10467 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $189.64M |
| Total Deposits | $161.82M |
| Total Liabilities | $163.61M |
| Total Equity Capital | $26.03M |
| Net Income | $1.47M |
| Net Loans and Leases | $139.12M |
| Assets Per Employee ($Millions) | $5.42M |
| Bank Premises and Fixed Assets | $5.11M |
| Cash and Balances due from Depository Institutions | $23.47M |
| Deposits Held in Domestic Offices | $161.82M |
Key Performance Ratios
| Return on Assets (ROA) | 3.08% |
| Return on Equity (ROE) | 23.02% |
| Net Interest Margin | 5.37% |
| Efficiency Ratio | 49.39% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.728% |
| Earning Assets to total Assets | 92.29% |
Income and Expense
| Total Interest Income | $2.69M |
| Total Noninterest Income | $612.00k |
| Total Interest Expense | $327.00k |
| Total Noninterest Expense | $1.47M |
| Net Interest Income | $2.36M |
| Pre-tax Net Operating Income | $1.47M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.79M |
| Total Liabilities and Capital | $189.64M |
Securities
| Securities | $16.45M |
| Available-for-sale debt securities | $1.01M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $15.43M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Gifford State Bank?
$189.64M as of the latest filing.
How much are The Gifford State Bank's total deposits?
$161.82M in total deposits.
Where is The Gifford State Bank located?
Gifford, IL.
What is the Net Interest Margin?
5.37%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1885.
What is the Return on Assets (ROA)?
3.08%.
How much are total loans and leases?
$139.12M (latest filing).
What is the total interest income (latest filing)?
$2.69M.