Argenta, IL · Cert 899 · Gerber Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
43
Profitability
37
Liquidity
39
Efficiency
60
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.
Argenta, IL · Cert 899 · Gerber Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Decatur, IL · 2026 SOD (annual) · 3.4% share · #9 of 13 inst. · $0.1B of $2.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.82% | 0.50% | 0.66% | 0.79% | 0.86% | 0.88% | 0.91% | +25 bps | |
| Return on Equity | 9.41% | 9.81% | 5.74% | 7.45% | 8.84% | 9.34% | 8.83% | 9.18% | +173 bps | |
| Net Interest Margin | 2.76% | 2.71% | 2.85% | 2.88% | 2.75% | 2.65% | 3.00% | 2.92% | +4 bps | |
| Efficiency Ratio | 64.14% | 64.57% | 75.24% | 72.28% | 69.13% | 67.90% | 64.59% | 64.34% | -794 bps | |
| Non-Interest Burden | 1.68% | 1.66% | 2.08% | 2.01% | 1.82% | 1.72% | 1.85% | 1.78% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | -3.92% | -0.96% | -0.29% | 9.18% | 13.02% | 12.44% | 16.03% | +1,632 bps | |
| Loan Growth (YoY) | 8.32% | 2.68% | -0.55% | 5.91% | 6.16% | 8.75% | 9.69% | 7.48% | +157 bps | |
| Deposit Growth (YoY) | 0.35% | -4.96% | -2.59% | -2.34% | -0.64% | -1.69% | -1.05% | 3.92% | +626 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.80% | 2.32% | 2.38% | 2.45% | 2.32% | 1.37% | 1.29% | 1.31% | -114 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.02% | -0.10% | -0.08% | -0.06% | -0.03% | -1 bps | |
| Allowance / Loans | 1.71% | 1.63% | 1.67% | 1.60% | 1.66% | 1.52% | 1.58% | 1.53% | -8 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 0.7x | 0.7x | 0.7x | 1.1x | 1.2x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.51% | 12.60% | 12.96% | 13.33% | 12.18% | 11.87% | 12.51% | 12.31% | -102 bps | |
| Total Risk-Based Capital | 23.99% | 23.96% | 23.51% | 23.65% | 12.18% | 11.87% | 12.51% | 12.31% | -1,134 bps | |
| Equity / Assets | 9.24% | 8.52% | 8.83% | 9.15% | 9.30% | 9.93% | 9.98% | 9.87% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.32% | 55.58% | 52.52% | 59.12% | 54.83% | 61.48% | 58.22% | 61.14% | +202 bps | |
| Liquid Assets / Assets | 1.89% | 1.95% | 1.69% | 0.57% | 1.47% | 0.68% | 2.54% | 1.01% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 47.73% | 52.02% | 51.94% | n/a | n/a | |
Argenta, IL · Cert 899 · Peer group: banks under $1B in assets (n=581-629) · Gerber Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.91%
Rank 367 of 629
Net Interest Margin
2.92%
Rank 497 of 629
Efficiency Ratio
64.34%
Rank 252 of 629
Equity / Assets
9.87%
Rank 388 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 42% | 367 / 629 | ||
| Return on Equity | 9.22% | 5.38% | 9.30% | 13.28% | Beats 49% | 322 / 629 | ||
| Net Interest Margin | 2.92% | 3.03% | 3.54% | 4.05% | Beats 21% | 497 / 629 | ||
| Efficiency Ratio | 64.34% | 58.35% | 67.79% | 79.08% | Beats 60% | 252 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.31% | 0.09% | 0.46% | 1.20% | Beats 22% | 453 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 64% | 210 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.31% | 11.24% | 13.84% | 18.77% | Beats 36% | 400 / 629 | ||
| Total Risk-Based Capital Ratio | 12.31% | 11.58% | 14.43% | 19.66% | Beats 32% | 429 / 629 | ||
| Equity / Assets | 9.87% | 9.09% | 10.65% | 13.80% | Beats 38% | 388 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.14% | 67.24% | 80.90% | 93.48% | 19th pctl | 483 / 594 | ||
| Loans / Assets | 47.33% | 53.31% | 67.71% | 78.15% | 19th pctl | 511 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||