The Gerber State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.92 percentage points in Q2 2026, from 58.22% to 61.14%. It was the largest change from Q1 2026 among the key lines here. The Gerber State Bank ranks 243rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 61.14% (Q2 2026). The Gerber State Bank reported 61.14% on loan-to-deposit ratio for Q2 2026, 19.41 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.7M |
| Net loans and leases | $47.0M |
| Loans held for sale | $0 |
| Loans to total assets | 47.33% |
| Loan-to-deposit ratio | 61.14% |
| Net loans to equity capital | 4.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.22% |
| Multifamily (5+ residential) | 0.23% |
| Commercial and industrial | 7.98% |
| Consumer | 2.33% |
| Credit cards | 0.00% |
| Farm | 22.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.51% |
| Construction concentration (Tier 1 capital + allowance) | 27.41% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.69% |
| Interest income on loans | $670K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $38.9M | $81.8M | 4.39% | 22.17% | 2.12% |
| Q4 2023 | $42.6M | $82.7M | 3.90% | 19.73% | 1.94% |
| Q1 2024 | $42.3M | $82.2M | 3.89% | 18.57% | 1.88% |
| Q2 2024 | $41.9M | $76.9M | 3.86% | 17.76% | 2.53% |
| Q3 2024 | $42.1M | $82.1M | 3.80% | 16.17% | 2.63% |
| Q4 2024 | $43.7M | $78.6M | 3.63% | 14.16% | 2.69% |
| Q1 2025 | $42.0M | $80.0M | 6.11% | 14.02% | 2.65% |
| Q2 2025 | $44.4M | $75.1M | 6.52% | 11.95% | 2.48% |
| Q3 2025 | $44.7M | $81.6M | 6.62% | 10.67% | 2.54% |
| Q4 2025 | $47.5M | $77.3M | 6.59% | 9.62% | 2.54% |
| Q1 2026 | $46.1M | $79.2M | 6.73% | 8.58% | 2.47% |
| Q2 2026 | $47.7M | $78.1M | 6.22% | 7.98% | 2.33% |
The Gerber State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Gerber State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Gerber State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 899) · FFIEC NIC profile (RSSD 663638)