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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 : |
2025-12-31 |
| Gifford, Illinois, 61847 |
Updated : |
2026-01-29 |
| 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 : |
35 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 189,640 |
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Total Interest Income | 10,325 |
| Total Liabilities | 163,606 |
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Total NonInterest Income | 928 |
| Total Bank Equity Capital | 26,034 |
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Total Interest Expense | 1,332 |
| Total Deposits | 161,818 |
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Total NonInterest Expense | 5,032 |
| Net Loans & Leases | 139,116 |
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Net Income | 5,084 |
| Loan Loss Allowance | 2,038 |
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Net Charge Offs | (199) |
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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 | 139,828 |
| Total assets for the leverage ratio | 192,877 |
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Loans secured by real estate: | 88,519 |
| Tier 1 Leverage Ratio | 13.52 |
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Commercial and industrial loans | 13,407 |
| Off Balance Sheet Exposures (%) | 10.24 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 3,599 |
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:· The Gifford State Bank
