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This institution is no longer active

Operations ceased on March 10, 2026. CRA examination history below reflects the period it was active.

THE GIFFORD STATE BANK

GIFFORD, IL · Supervised by FDIC

Est. 1885FDIC #10,467RSSD: FDIC-10467GIFFORD BCORP EMPLOYEE STK OWNERSHIP PLAN
Satisfactory

Current rating · Exam: January 2024

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Institution Profile

FDIC BankFind

Address

304 S Main St, GIFFORD, IL

County

Champaign County

Established

January 1, 1885

Total Assets

$190M(latest call report)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$190M

Total Deposits

$162M

Net Loans

$139M

Net Income

$5M

ROA

2.67%

ROE

20.81%

Risk-Based Capital

0.00%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

January 1, 2024

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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