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 | |