The Gerber State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Gerber State Bank is an FDIC-insured commercial bank headquartered in Argenta, IL, established in 1887 (FDIC certificate 899), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $100.8M, up 16.0% from Q2 2025, the 262nd largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 899
- Headquarters
- Argenta, IL
- Established
- 1887
- Total assets, Q2 2026
- $100.8M
- Assets vs Q2 2025
- +16.0%
- Tier 1 leverage ratio, Q2 2026
- 12.31%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071111407
- Holding company
- GERBER BANCSHARES, INC.
- Asset rank in state
- 262nd of 319 in Illinois
The Gerber State Bank, based in Argenta, Illinois, reported $101 million in assets at June 30, 2026, up 16.0% from a year earlier. It keeps 3.21 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 46% of its capital, about a third the median of 1.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.31% of loans from 2.45%. Earnings jumped: net income for the quarter was $303,000, 32% above the same quarter a year earlier.
As of June 30, 2026, The Gerber State Bank reported a return on assets of 1.16%, a nonperforming-loan ratio of 1.31% and a Texas ratio of 5.86%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Gerber State Bank is the 262nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $100.8M, loans rose 3.5% and deposits fell 1.4%. Agricultural production loans made up 32.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.1%. The FDIC Summary of Deposits lists 2 offices for it, in Argenta, IL and Oreana, IL; its Argenta office books 99% of its branch deposits. Judged on its Q2 2026 call report, The Gerber State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 110 E Elm St, Argenta, IL 62501
- County
- Macon
- Metro Area
- Decatur, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 1, 1887
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $78.1M
- Allowance for credit losses
- $728K
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $104.7M
- Average total loans
- $47.2M
- Average interest-bearing deposits
- $68.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 899
- Fed RSSD
- 663638
- Website
- www.gerberstatebank.com →
- Parent Holding Company
- GERBER BANCSHARES, INC. (RSSD 3420702)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Gerber State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Gerber State Bank's total assets ran between $86.9M (Q2 2025) and $100.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$100.8M total assets against $86.9M; $90.9M total liabilities against $78.9M.
$47.0M net loans and leases against $43.7M; $78.1M total deposits against $75.1M.
$50.1M securities against $41.2M; $1.8M cash and balances due against $567K.
$1.1M total interest income against $869K; $307K total interest expense against $215K.
$763K net interest income against $654K.
$78K total noninterest income against $59K; $539K total noninterest expense against $494K.
$9K provision for credit losses against -$10K.
$303K net income against $229K.
1.16% return on assets against 1.00%; 3.21% net interest margin against 3.06%.
12.31% tier 1 leverage ratio against 13.33%.
Inside the full The Gerber State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Gerber State Bank rankings
Its closest position to the top of a national ranking is 1,151 of 3,640, for Texas Ratio; its furthest is 3,659 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.56% (Q1 2025) to 1.26% (Q3 2025) and its net interest margin ran from 2.81% (Q3 2024) to 3.30% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.31% | 1.16% | 1.31% | 5.86% | 3.21% |
| Q1 2026 | 12.51% | 1.06% | 1.29% | 5.53% | 3.30% |
| Q4 2025 | 11.87% | 1.20% | 1.37% | 6.09% | 3.20% |
| Q3 2025 | 12.18% | 1.26% | 2.32% | 10.33% | 3.30% |
| Q2 2025 | 13.33% | 1.00% | 2.45% | 12.58% | 3.06% |
| Q1 2025 | 12.96% | 0.56% | 2.38% | 11.66% | 3.04% |
| Q4 2024 | 12.60% | 1.09% | 2.32% | 12.20% | 2.86% |
| Q3 2024 | 12.51% | 0.90% | 1.80% | 8.26% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Gerber State Bank | Argenta , IL | 62501 | $77.1M |
| Oreana Branch | Oreana , IL | 62554 | $923K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 314 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Gerber State Bank
What are The Gerber State Bank's total assets?
As of the Q2 2026 filing, The Gerber State Bank reported total assets of $100.8 million in its FFIEC call report.
Where is The Gerber State Bank headquartered?
It is headquartered in Argenta, IL, United States.
When was The Gerber State Bank founded?
It was established in 1887, per the FDIC institution directory.
Is The Gerber State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Gerber State Bank?
The Gerber State Bank's primary federal regulator is the FDIC.
How many branches does The Gerber State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Gerber State Bank's Texas Ratio?
Its Texas Ratio is 5.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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