Total Assets
$189.6M
Total Deposits
$161.8M
Branches
4
Established
1885
The Gifford State Bank is a bank headquartered in Gifford, Illinois, established in 1885. It holds $189.6M in total assets across 4 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Gifford State Bank earns a TFS Financial Health Grade of C (75.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
75.5 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Data sourced from FDIC BankFind Suite as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Gifford State BankHQ | 304 S Main St | Gifford | IL | 11 |
| The Gifford State Bank | 108 E State St | Potomac | IL | 11 |
| The Gifford State Bank | 218 East Lincoln | Saint Joseph | IL | 11 |
| The Gifford State Bank | 101 Main St | Thomasboro | IL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
75.5
Tier 1 capital ratio
13.52%
Return on assets
2.67%
Non-performing loans
0.46%
Efficiency ratio
50.72%
Asset growth (YoY)
0.41%
Suggested direct comparisons
CHICAGO, IL
$19.7B
$187.6M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.