# GIFFORD STATE BANK
GIFFORD, IL · FDIC certificate 10467 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $189.6M | |
| Deposits | $161.8M | |
| Loans and leases | $141.2M | |
| Total equity | $26.0M | |
| Loans / deposits | 85.97% (p73 of band) | 73.21% |
| Liquid assets / assets | 21.05% (p23 of band) | |
| Uninsured deposits / deposits | 11.68% (p19 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.52% (p67 of band) | 11.56% |
| Unrealized securities loss / equity | -3.02% (p62 of band) | -6.10% |
| AOCI / equity | 0.20% (p19 of band) | |
| ROA (annualized) | 2.67% (p95 of band) | 1.04% |
| Net interest margin | 5.11% (p91 of band) | 3.83% |
| Efficiency ratio | 50.72% (p11 of band) | |
| Noncurrent loans | 0.46% (p55 of band) | 0.34% |
| Net charge-offs (annualized) | -0.10% (p2 of band) | |
| Reserve coverage of noncurrent | 314.99% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 16.71% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 35 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 | reserve under noncurrent | assets shrinking |
| 2015-09 | 0 |  | deposits shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2015-12 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2016-03 | 1 |  | liquid assets <10%, capital falling |
| 2016-06 | 4 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2017-06 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2017-09 | 5 | noncurrent p90 |  |
| 2017-12 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 5 | liquid assets <10%, charge-offs p90, assets shrinking |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 | capital falling | liquid assets <10% |
| 2019-06 | 3 |  | assets shrinking, capital falling |
| 2019-09 | 2 |  | noncurrent p90 |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | deposits shrinking |  |
| 2024-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 2 | charge-offs p90 | assets shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  | deposits shrinking, charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-21 [Fountain Trust Company expands into Illinois with definitive agreement to acquire Gifford State Bank - Newsbug.info](https://news.google.com/rss/articles/CBMilwJBVV95cUxNclMzUU1vLXRTSjVsTG5idUk1NVRYTXZwYkxnakV6VnZRdkRVbGFrTFhkRFdDekxaSkdIZ0ZqMnVRUkZfeDJxNDZ6MzhmSk9VU0E2YUJUTktIekpfdTVqYjN6XzF1NVZBVWxBZGZEMWd3TjJPSzVtbmRvVFprWnZzN3hFd2c3cXB6cXhmd1otSXBYaVN2MEVkb0EyRjBJUEV1MHVIcUJtaWVQMkVSbE1KWFJ6NkRweWV3RG1ONWJOQndBdFR3Y3kxTlZFcXdFX19seHlmT0ExRmVyV0FBcXRVUWdnb0dOVU1pdXJOandjQktqSFA1aEVhX3c0QWRYQlo5NW1yRXZrbUUyc0ZrbloxV2RhYWJ3Wm8?oc=5) · Newsbug.info
- 2026-04-13 [Eugene Schmidt Obituary (1939 - 2026) - Flatville, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQTlnUXZkaWxPN3FCSVRHaTE5dTBKZEwxOE15dldEOElsbnQyTTBSSVpBNXp2Vk9FeEJtb1ExaE1oVTNOMkh2SVF6TEtCcG4tX0t3bjN6dTJNU1FKNlhYU05FX1VCcXVna01ONXd5T29KdVFBOXZ5SkR5Y1RQdUktQnNoa3NoTlgtUlBJRG5OM1ZiWUhf?oc=5) · legacy.com
- 2025-05-04 [Barbara J. (Arnold) Mcfadden Obituary Jun 27, 2024 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiaEFVX3lxTFB5VTFXUEVuWkp1Nk50ZVEwTGJzcmRYajdWWDNUNHdVRC1NQXUxRHdTODVWT09KcTl4eWJ0YmRGWkZGQ0RMVldtY0FMUXh4VEQ0cFAwUk1rdWdZV0JkUV9QSGZ5VjFlOWh5?oc=5) · Sunset Funeral Home and Cremation Center
- 2024-07-22 [Roseman's ties to hometown bank both long and rewarding - The News-Gazette](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOa21ITUdlbjRxZGtxbWpyN3l4UlJFSlVIVG9oZ0N4Yng3clphZFpMeHlFTnAwOTY2Mmh1eE1CN2VoWFo5ZHJqWHN6dWNSYUtVVkVKR1pMV0VYZldvaGhQOHcybDdxdmJZNjhBSG92VTdpdVVrUFlCUzBKcS13OWdHaVNpWEJiclAxcEJ6SDBpcVdDakNpdUdfUHVDT0doSU5jTTc5Y2I3UEFoMzE5TkVyYkRBRGozbV9MU1kxSjc2SElYeWhfWEhfZTBWMFJHZEFwRTBhejdhRjVJcHd0TThSSXJ0ZU9hSXY1aDRLVkJxZXU4VWw4SURtekZCX28?oc=5) · The News-Gazette
- 2019-07-31 [Prosecutors: Farmer committed bank fraud, abused bankruptcy system - wandtv.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPMXo0X0JkOGFxamtyb1pRQkpaanRZTnViV1pSQ3M2TkYzREhYYW0zdkZTUWJZVFNjYUZVSU1BbTZvWTh1SDN1Q0pRT1VJMmMwNVJBZXlEMjF3UEVfLUZxMWNwNmZMREIyVTJEdlFpZWVPSnl1MV9RU0daN28yOUM4ZzVJQUpHUWI2dDkxRlBJeTRIU2pUblM2eldIWTBPNC1hMDVXWTFsM0FZSTVVcml1SGdsbmYxdi1iSXZyR1JiUlR1UmJTNmlGaGNIVVBrRVZjTGc2a1J1VmVqZw?oc=5) · wandtv.com
- 2025-07-16 [Sammy Shonkwiler Obituary (2025) - Saint Joseph, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeXFVazlhWExEMkR6dXZGNWY3V25NN21WTm9UWDBwbVdYRWg2NkRLcnl4Q0tBWkx2R3ptcnp0a3lXLWpWbFFSNG1ZZDZKMkU5MWpPaS1BLXhkREs2TjVycVVBRk42bllpRFFzZ19jSlBvUVZyNXA4QVpnb1VOZS1RTnBHSEpxUnEzb0dOX2pwakluNjRfV0ZB?oc=5) · legacy.com
- 2024-12-27 [Virginia Dillon Obituary (2024) - Champaign, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYm1HTV9rSTQxRm1aaTFwVzEyd2hERjE1WkVZVnhySm54N180WU95T1kyeWRzVHFqT0VfMVlwUFBGbkN6ZHdac2s4MzRtWGY4WHlJdzlqb0gyMzJ3cmtkY1lVRTlpdFRHNU5PVVpNMDZ5YXduUFNjeTktcE5ucjl5QUplZ1BVRjBjRko1aGdxMEQ0SDBjdEE?oc=5) · legacy.com
- 2025-10-04 [Lois Murrell Obituary (1938 - 2025) - Decatur, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRzI5ZHlyX0U0eWlBR2N0eUFiajlmSEJoTGVrZC16NGNULUlYdGNYa2ZhcXZuclozOTZVQTRNaWNxR0FxTWFqQTVWQUtOb1IwVHlUSDVPb2xGNzhYMkpSdTNsYTBqNC1KdEE3RnZLb1IyVEE1NEY2MUF3alRYdGVld2lqTFZ6OURpS1piWC04NjBfTEU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10467 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "10467", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide