GERBER STATE BANK, THE

ARGENTA, IL | Small | Est. Oct. 1, 1887, midnight | FDIC #899 | RSSD #663638 | FDIC
Latest Report: 2025-12-31

GERBER STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in ARGENTA, IL, established in Oct. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $101M and total deposits of $77M. Profitability stands at 1.28% ROA and 13.30% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 9.93%. Asset quality metrics show a non-performing loan ratio of 1.23% and a Texas Ratio of 5.46%. FDIC Certificate #899.

Assets

$101M

Deposits

$77M

Loans

$48M

Equity

$10M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 13.30%
Net Interest Margin (NIM) 3.21%
Yield on Assets 4.71%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 1.23%
Net Charge-Off Ratio -0.08%
Texas Ratio 5.46%
NPA Ratio 0.58%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 9.93%
Tier 1 Capital 9.93%
Total Capital Ratio 10.43%
Leverage Ratio 11.87%
Loan-to-Deposit 61.48%

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