The Gerber State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.18 percentage points in Q2 2026, from 139.27% to 133.09%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Gerber State Bank is 170th of 323 on return on assets, 1.16% as of Q2 2026. The Gerber State Bank reported 1.16% on return on assets for Q2 2026, 0.10 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.31% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.15% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.86% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 133.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 12.15% |
| Net interest margin | 3.21% |
| Efficiency ratio | 60.48% |
| Yield on earning assets | 4.43% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.14% |
| Core deposits to total deposits | 86.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.42% |
| Securities to assets | 49.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.85% | 22.85% | 24.09% | 11.94% | 0.62% |
| Q4 2023 | 21.94% | 21.94% | 23.19% | 12.03% | 0.82% |
| Q1 2024 | 21.96% | 21.96% | 23.21% | 11.83% | 0.65% |
| Q2 2024 | 22.85% | 22.85% | 24.10% | 12.52% | 1.25% |
| Q3 2024 | 22.74% | 22.74% | 23.99% | 12.51% | 0.90% |
| Q4 2024 | 22.71% | 22.71% | 23.96% | 12.60% | 1.09% |
| Q1 2025 | 22.25% | 22.25% | 23.51% | 12.96% | 0.56% |
| Q2 2025 | 22.40% | 22.40% | 23.65% | 13.33% | 1.00% |
| Q3 2025 | — | — | — | 12.18% | 1.26% |
| Q4 2025 | — | — | — | 11.87% | 1.20% |
| Q1 2026 | — | — | — | 12.51% | 1.06% |
| Q2 2026 | — | — | — | 12.31% | 1.16% |
The Gerber State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Gerber State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)