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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