Bank of Gibson City

804 South Sangamon Avenue
Gibson City, IL 60936

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22838
Date Established 1979
Assets $0.08 billion
Loans $0.05 billion
Deposits $0.06 billion
Capital $0.01 billion

Bank of Gibson City is an FDIC insured institution located in Gibson City, IL. It was founded in 1979 and has approximately $0.08 billion in assets.

For a more detailed analysis of Bank of Gibson City's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Gibson City’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Illinois, Bank of Gibson City has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.21
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.18
Small Business Loans 4.78
Construction and Development Loans 2.48
Commercial Real Estate 10.83
Commercial and Industrial Loans 10.00
Farm Loans 29.39

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.30% $2,500 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.40% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.31% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.25% $5,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Gibson City

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.564% 4.500% 0.25 $1,878 $1,267 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.556% 4.500% 0.13 $1,632 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,180 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bank of Gibson City
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Branches

Bank of Gibson City branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Gibson City Locations

Financial Details

Bank of Gibson City Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Gibson City. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Gibson City U.S. Bank Average
0.78% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bank of Gibson City had $79,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,643,000 in equity and $422,000 in loans loss reserves. That gives it a Texas Ratio of 0.78%.

Return on Equity
Bank of Gibson City U.S. Bank Average
6.1% 8.84%

Bank of Gibson City has a Return on Equity of 6.1% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Gibson City U.S. Bank Average
12.07% 12.21%

Bank of Gibson City has a Capitalization of 12.07% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Gibson City Balance Sheet Analysis

As of December 31, 2017, Bank of Gibson City had assets of $79,894,000, loans of $50,065,000, and deposits of $63,025,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 95.46%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Gibson City

Branches and Savings

Is Bank Of Gibson City FDIC insured?

Yes. It is covered under FDIC Certificate #22838.

Why does Bank Of Gibson City pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Gibson City CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Gibson City a commercial bank?

Yes

Where are Bank Of Gibson City locations?

See branch locations nearby.

Is Bank Of Gibson City open on Saturdays?

Is Bank Of Gibson City open on Sundays?

What time does Bank Of Gibson City open?

What time does Bank Of Gibson City close?

Are Bank Of Gibson City ATMs Open 24/7?

Do Bank Of Gibson City ATMs accept cash deposits?

Can Bank Of Gibson City customers use other ATMs?

Do Bank Of Gibson City branches have notaries?

Will Bank Of Gibson City notarize my document?

What address for Bank Of Gibson City should I put for incoming ACH transfers?

Will the Bank Of Gibson City branch print checks?

Do Bank Of Gibson City checks expire?

Does Bank Of Gibson City require US citizenship to open account?

Can Bank Of Gibson City close my account?

Does Bank Of Gibson City Report to credit bureaus?

Does Bank Of Gibson City Use Equifax?

What is Bank Of Gibson City's ACH Routing Number?

What is Bank Of Gibson City's SWIFT code?

Products

Does Bank Of Gibson City offer mortgages?

Compare mortgage rates here.

Does Bank Of Gibson City offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Gibson City offer personal loans?

Compare personal loan rates here.

Does Bank Of Gibson City offer student loans?

Will Bank Of Gibson City cash a check?

Will Bank Of Gibson City redeem a savings bond?

Does Bank Of Gibson City cash savings bonds?

Will Bank Of Gibson City cash money orders?

Can Bank Of Gibson City issue a money order?

Does Bank Of Gibson City do currency exchange?

Background on The Bank

Who owns Bank Of Gibson City?

How long has Bank Of Gibson City been around?

Can Bank Of Gibson City transfer to other banks?

Does Bank Of Gibson City have quick pay?

Does Bank Of Gibson City accept rolled coins?

Will Bank Of Gibson City accept loose change?

Where is Bank Of Gibson City headquarters?

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