TellerScore

Goodfield State Bank (FDIC certificate #11699) is based in Goodfield, Illinois. Its Q2 2026 call report shows $285.5M in total assets and $250.1M in deposits and 6 offices.

Based on its Q2 2026 filing, Goodfield State Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 268th. Its strongest component is earnings (100/100; 2.72%), and its lowest is loan quality (14/100; 2.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality14/100
Noncurrent loans ÷ total loans: 2.59%
Earnings100/100
Return on assets (annualized): 2.72%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 88.5% · 17.0% uninsured
Problem-loan coverage63/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 23 points (80 → 57), mostly because the loan quality component weakened by 71 points.

TellerScore
576980Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202478
Q4 202479
Q1 202576
Q2 202580
Q3 202578
Q4 202574
Q1 202670
Q2 202657
Tier 1 leverage ratio
5.00%8.58%12.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.08%
Q3 202412.17%
Q4 202411.92%
Q1 202511.85%
Q2 202511.63%
Q3 202511.56%
Q4 202511.13%
Q1 202610.78%
Q2 202610.58%
Noncurrent loans
0.46%1.53%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.89%
Q4 20240.73%
Q1 20250.96%
Q2 20250.46%
Q3 20250.70%
Q4 20251.11%
Q1 20261.45%
Q2 20262.59%
Return on assets
2.00%2.36%2.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.02%
Q3 20242.09%
Q4 20242.00%
Q1 20252.23%
Q2 20252.35%
Q3 20252.43%
Q4 20252.29%
Q1 20262.51%
Q2 20262.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$285.5M10.58%2.59%2.72%88.5%
Q1 202670$284.2M10.78%1.45%2.51%84.2%
Q4 202574$274.5M11.13%1.11%2.29%85.7%
Q3 202578$244.2M11.56%0.70%2.43%95.3%
Q2 202580$239.1M11.63%0.46%2.35%95.9%
Q1 202576$229.7M11.85%0.96%2.23%92.2%
Q4 202479$231.4M11.92%0.73%2.00%87.7%
Q3 202478$217.6M12.17%0.89%2.09%90.6%
Q2 202479$208.1M12.08%0.72%2.02%93.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.58%
43rd
Total risk-based capital0.00%
24th
Problem loans2.59%
8th
Net charge-offs-0.00%
82nd
Return on assets2.72%
97th
Net interest margin4.26%
68th
Efficiency ratio41.6%
94th
Loans to deposits88.5%
30th
Uninsured deposits17.0%
75th
Loan-loss reserves1.13%
43rd
Texas ratio18.4%
7th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of RantoulBank Rantoul, IL82 out of 100, Strong$285.8M10.8%0.00%vs
Community Partners Savings BankBank Salem, IL63 out of 100, Moderate$288.4M11.9%1.77%vs
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
SouthernTrust BankBank Marion, IL47 out of 100, Below average$278.5M10.2%2.59%vs
State BankBank Waterloo, IL52 out of 100, Below average$295.8M9.2%1.28%vs
First National Bank of SteelevilleBank Steeleville, IL90 out of 100, Very strong$274.5M13.5%0.44%vs

Deposit insurance

Is my money safe at Goodfield State Bank?

Yes. Goodfield State Bank is an FDIC-insured institution (FDIC certificate #11699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.0% of deposits ($42.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Goodfield State Bank lists 6 offices in 6 cities. Most locations:

  • Eureka, IL (1)
  • Goodfield, IL (1)
  • Metamora, IL (1)
  • Roanoke, IL (1)
  • Varna, IL (1)
  • Washington, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Goodfield State Bank reported 267 home-loan applications under HMDA (LEI 2549002W5VVAQ5IH5726): 265 originated ($46,415,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Goodfield State Bank
Type
State-chartered bank
FDIC certificate #
11699
RSSD ID
936837
Primary regulator
FDIC
Holding company
Goodfield Financial Corp
Established
December 14, 1920
Headquarters
201 S Eureka St, Goodfield, IL 61742
Employees
39

Quick answers

Goodfield State Bank: common questions

Is Goodfield State Bank FDIC insured?

Yes. Goodfield State Bank is an FDIC-insured institution (FDIC certificate #11699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Goodfield State Bank's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Goodfield State Bank ever failed?

There is no failure record for FDIC certificate #11699 in the FDIC failed bank list.

How many branches does Goodfield State Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Goodfield

InstitutionScoreAssetsCapitalProblem loansCompare
Country Trust BankBank Bloomington, IL93 out of 100, Very strong$42.3M78.7%0.00%vs
Peoria Fire Fighters Credit UnionCredit union Peoria, IL87 out of 100, Very strong$4.6M28.2%0.00%vs
Bloomington Municipal Credit UnionCredit union Bloomington, IL87 out of 100, Very strong$45.7M13.5%0.10%vs
Iaa Credit UnionCredit union Bloomington, IL84 out of 100, Strong$415.0M14.0%0.47%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs