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The Gerber State Bank
Argenta, IL · FDIC Certificate #899 · Chartered 10/0
Total assets
$100.82M
Total deposits
$78.06M
Total equity
$9.95M
Net loans
$46.99M
Branches (offices)
2
Net income (YTD)
$573.00K
Rank: #3,672 of 4,213 U.S. banks by assets · #264 of 322 in Illinois. Assets changed 16.0% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 11.48% |
| Net interest margin (YTD) | 3.14% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 12.31% |
| Uninsured deposits (share of deposits) | 24.0% |
| Noncurrent loans (share of loans) | 1.31% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 60.2% |
| Real estate loans (share of loans) | 57.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.14M | 57.8% | |
| Commercial & industrial | $3.81M | 8.1% | |
| Consumer / individual | $1.11M | 2.4% | |
| Construction & development | $3.73M | 7.9% | |
| Agricultural | $15.38M | 32.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $88.39M | $82.80M | $267.00K | $5.53M |
| Jun 2023 | $88.38M | $79.41M | $508.00K | $6.20M |
| Jun 2024 | $87.14M | $76.91M | $449.00K | $7.14M |
| Jun 2025 | $86.89M | $75.11M | $358.00K | $7.95M |
| Jun 2026 | $100.82M | $78.06M | $573.00K | $9.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $78.06M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $78.06M.
Similar-sized banks
The Bank Of Milan ($101.07M) · Dedicated Community Bank ($100.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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