🏦Bank Scorer

This institution is no longer active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-10467
Part ofGIFFORD BCORP EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.67%

Institution Profile

FDIC BankFind

Address

304 S Main St, GIFFORD, IL

County

Champaign County

Established

January 1, 1885

Total Assets

$190M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

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%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.31%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$162M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246584.62%12.31%
202310593.33%6.67%
20198796.55%3.45%
20189992.93%4.04%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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