The Gerber State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Gerber State Bank of Argenta, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.25% | -0.09% | 41st below |
| ROAE | 12.15% | 13.17% | -1.02% | 48th below |
| Net Interest Margin | 3.21% | 3.95% | -0.74% | 16th bottom |
| Efficiency Ratio | 60.48% | 61.50% | -1.02% | 52nd above |
| PPNR / Avg Assets | 1.15% | — | — | 26th below |
| Yield on Earning Assets | 4.43% | 5.67% | -1.24% | 7th bottom |
| Cost of Funds | 1.53% | 1.87% | -0.34% | 67th above |
| Net Interest Spread | 2.88% | — | — | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.15% | 0.93% | +0.22% | 25th below |
| NPA / Total Assets | 0.54% | — | — | 36th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.53% | — | — | 80th top |
| ACL / NPLs (Coverage) | 133.09% | — | — | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.86% | 6.06% | -0.20% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.31% | 11.75% | +0.56% | 68th above |
| Equity / Assets | 9.87% | 10.98% | -1.11% | 42nd below |
| TCE / Tangible Assets | 9.87% | — | — | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.14% | 80.44% | -19.30% | 82nd top |
| Core Deposit Ratio | 86.08% | 86.95% | -0.87% | 35th below |
| Wholesale Funding Ratio | 12.44% | — | — | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.03% | — | — | 92nd top |
| Loan Growth (Y/Y) | 7.48% | — | — | 62nd above |
| Deposit Growth (Y/Y) | 3.92% | — | — | 49th below |
See The Gerber State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Gerber State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Gerber State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Gerber State Bank peer analysis.