Gerber State Bank, The
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
$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 210 of 581).
- Widest gap: net interest margin trails 79% of banks under $1B in assets (rank 497 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
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 | 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 |