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Gerber State Bank, The

Argenta, IL · Cert 899 · Gerber Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gerber State Bank, The

Argenta, IL · Cert 899 · Gerber Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$100.8MAssets
$47.7MLoans
$78.1MDeposits
$9.9MEquity
Loan mix
84%RE $26.3M13%C&I $4.0M4%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $66.9M14%Noninterest $11.2MQ2 2025Q2 2026

NIM

3.74%Q2 ’243.84%Q2 ’254.05%Q2 ’26+0%+2%

Non-interest income vs. expense

1.94%Q2 ’242.27%Q2 ’252.06%Q2 ’26+18%-11%

Market Position · Decatur, IL · 2026 SOD (annual) · 3.4% share · #9 of 13 inst. · $0.1B of $2.3B

Executive Summary

  • Earnings: ROA of 0.91%, up 25 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 1.31% of loans (-114 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 12.31%, down 102 bps from a year ago.
  • Funding: loans stand at 61.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+4 bps YoY

Efficiency Ratio (YTD, annualized)

64.34%-794 bps YoY

Tier 1 Leverage Ratio

12.31%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.79%0.86%0.88%0.91%+25 bps
Return on Equity7.45%8.84%9.34%8.83%9.18%+173 bps
Net Interest Margin2.88%2.75%2.65%3.00%2.92%+4 bps
Efficiency Ratio72.28%69.13%67.90%64.59%64.34%-794 bps
Non-Interest Burden2.01%1.82%1.72%1.85%1.78%-23 bps
Growth
Asset Growth (YoY)-0.29%9.18%13.02%12.44%16.03%+1,632 bps
Loan Growth (YoY)5.91%6.16%8.75%9.69%7.48%+157 bps
Deposit Growth (YoY)-2.34%-0.64%-1.69%-1.05%3.92%+626 bps
Asset Quality
Nonperforming Loans / Loans2.45%2.32%1.37%1.29%1.31%-114 bps
Net Charge-Offs / Loans-0.02%-0.10%-0.08%-0.06%-0.03%-1 bps
Allowance / Loans1.60%1.66%1.52%1.58%1.53%-8 bps
Allowance Coverage of NPLs0.7x0.7x1.1x1.2x1.2x+0.5x
Capital
Tier 1 Leverage Ratio13.33%12.18%11.87%12.51%12.31%-102 bps
Total Risk-Based Capital23.65%12.18%11.87%12.51%12.31%-1,134 bps
Equity / Assets9.15%9.30%9.93%9.98%9.87%+71 bps
Liquidity & Funding
Loans / Deposits59.12%54.83%61.48%58.22%61.14%+202 bps
Liquid Assets / Assets0.57%1.47%0.68%2.54%1.01%+43 bps
CRE / Total Capitaln/a47.73%52.02%51.94%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gerber State Bank, The

Argenta, IL · Cert 899 · Peer group: banks under $1B in assets (n=570-617) · Gerber Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$100.8MAssets
$47.7MLoans
$78.1MDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets (rank 209 of 570).
  • Widest gap: net interest margin trails 79% of banks under $1B in assets (rank 489 of 617).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.91%

Rank 358 of 617

Net Interest Margin

2.92%

Rank 489 of 617

Efficiency Ratio

64.34%

Rank 249 of 617

Equity / Assets

9.87%

Rank 370 of 617

Non-interest income vs. expense

$0.3M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 60% of banks under $1B in assets
Bank 64.34%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.60%1.01%1.45%Beats 42%358 / 617
Return on Equity9.22%5.30%9.43%13.30%Beats 48%322 / 617
Net Interest Margin2.92%3.04%3.54%4.05%Beats 21%489 / 617
Efficiency Ratio64.34%58.03%67.76%79.08%Beats 60%249 / 617
Asset Quality
Nonperforming Loans / Loans1.31%0.09%0.47%1.27%Beats 23%438 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 64%209 / 570
Capital
Tier 1 Capital Ratio12.31%11.18%13.83%18.55%Beats 37%390 / 617
Total Risk-Based Capital Ratio12.31%11.56%14.39%19.39%Beats 33%416 / 617
Equity / Assets9.87%9.03%10.55%13.63%Beats 40%370 / 617
Liquidity & Funding
Loans / Deposits61.14%64.77%79.70%93.06%21st pctl461 / 582
Loans / Assets47.33%51.70%67.18%77.51%20th pctl492 / 617
Brokered Deposits / Depositsn/aNot reported for this institution