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 The Gifford State Bank
The Gifford State Bank
| RSSD ID 557438 | CERTIFICATE 10467 | ABA NUMBER 71113175 |
| 304 S Main St |
Quarter Ended : |
2025-03-31 |
| Gifford, Illinois, 61847 |
Updated : |
2025-04-28 |
| www.giffordbank.com |
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| Institution Profile |
| Year Opened : |
1885 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
4 |
Number of Employees : |
33 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 191,584 |
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Total Interest Income | 2,449 |
| Total Liabilities | 167,988 |
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Total NonInterest Income | 96 |
| Total Bank Equity Capital | 23,596 |
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Total Interest Expense | 331 |
| Total Deposits | 166,064 |
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Total NonInterest Expense | 1,136 |
| Net Loans & Leases | 131,519 |
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Net Income | 1,078 |
| Loan Loss Allowance | 2,033 |
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Net Charge Offs | 1 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 130,302 |
| Total assets for the leverage ratio | 196,720 |
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Loans secured by real estate: | 84,761 |
| Tier 1 Leverage Ratio | 12.03 |
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Commercial and industrial loans | 12,533 |
| Off Balance Sheet Exposures (%) | 9.52 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 3,887 |
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:· The Gifford State Bank
