The Gifford State Bank

BankGifford, Illinois
www.giffordbank.com

Total Assets

$189.6M

Total Deposits

$161.8M

Branches

4

Established

1885

TFS Health Grade

$
C

75.5 / 100

Average financial health

How we grade

The Gifford State Bank is a bank headquartered in Gifford, Illinois, established in 1885. With $189.6M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C (75.5/100).

Capital & Safety

Tier 1 Capital Ratio
13.52%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.46%

Profitability

Return on Assets (ROA)
2.67%(1%)
Return on Equity (ROE)
20.81%(10%)
Net Interest Margin
5.11%
Efficiency Ratio
50.72%(60%)

Lending & Liquidity

Total Loans
$141.2M
Loan-to-Deposit Ratio
85.97%
Net Charge-Off Ratio
-0.15%

Growth

Asset Growth (YoY)
+0.41%
Deposit Growth (YoY)
-1.29%
Net Income
$5.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports 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.

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