Goodfield State Bank
Goodfield, Illinois · FDIC Cert #11699
Goodfield State Bank is an FDIC-insured bank (Certificate #11699) with $208M in total assets and $183M in total deposits as of the Q2 2024 Call Report. Headquartered in Goodfield, Illinois, the bank maintains a Tier 1 capital ratio of 14.07% (Well-Capitalized) and a nonperforming loan ratio of 0.72%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Goodfield State Bank (FDIC cert 11699) is a community bank — $208M in total assets, $183M in deposits, serving the Goodfield, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.72% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.05% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Goodfield State Bank carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Goodfield State Bank
- Total Assets
- $208M
- Total Deposits
- $183M
- Tier 1 Capital Ratio
- 14.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.72%
- Liquidity Ratio
- 14.12%
- Return on Assets
- 2.05%
- Headquarters
- Goodfield, Illinois
- FDIC Certificate
- #11699
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Goodfield State Bank holds a Tier 1 capital ratio of 14.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Goodfield State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Goodfield State Bank shows strong financial health indicators. With $208M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Goodfield State Bank Compares
Goodfield State Bank’s Health Score of 77 is 5 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 14.07% Tier 1 capital ratio is 0.1 points above the US banking industry average near 14%. The 0.72% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.05% is in line with or above the national ROA benchmark of ~1.1%. Among 1527 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Goodfield State Bank is 7 points above the portfolio average of 70.
Frequently Asked Questions
Goodfield State Bank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Goodfield State Bank's Tier 1 capital ratio of 14.07% and nonperforming loan ratio of 0.72% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Goodfield State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11699). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Goodfield State Bank holds $208M in total assets and $183M in total deposits. It is headquartered in Goodfield, Illinois (FDIC Certificate #11699).
Goodfield State Bank has a Tier 1 capital ratio of 14.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.72%, and the return on assets is 2.05%.
Yes. Goodfield State Bank is FDIC-insured (Certificate #11699). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Goodfield State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.