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
Unfavorable gap of $1.9M · efficiency ratio beats 60% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 42% | 358 / 617 | |
| Return on Equity | 9.22% | 5.30% | 9.43% | 13.30% | Beats 48% | 322 / 617 | |
| Net Interest Margin | 2.92% | 3.04% | 3.54% | 4.05% | Beats 21% | 489 / 617 | |
| Efficiency Ratio | 64.34% | 58.03% | 67.76% | 79.08% | Beats 60% | 249 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.31% | 0.09% | 0.47% | 1.27% | Beats 23% | 438 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 64% | 209 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.31% | 11.18% | 13.83% | 18.55% | Beats 37% | 390 / 617 | |
| Total Risk-Based Capital Ratio | 12.31% | 11.56% | 14.39% | 19.39% | Beats 33% | 416 / 617 | |
| Equity / Assets | 9.87% | 9.03% | 10.55% | 13.63% | Beats 40% | 370 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 61.14% | 64.77% | 79.70% | 93.06% | 21st pctl | 461 / 582 | |
| Loans / Assets | 47.33% | 51.70% | 67.18% | 77.51% | 20th pctl | 492 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |