Overview / Commentary
The Gerber State Bank is headquartered in ARGENTA and is the 278th largest bank in the state of Illinois. It is also the 3,894th largest bank in the nation. It was established in 1887 and as of March of 2025, it had grown to 14 employees at 2 locations. The Gerber State Bank has a C health rating.
Health
C
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Gerber State Bank has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 899 |
| Year Established | 1887 |
| Employees | 14 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.58% |
| Return on Equity - YTD | 6.67% |
| Annual Interest Income | $882K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $89.2MM$90.1MM |
| Loans | Q1 2025vs Q1 2024 | $41.3MM$41.6MM |
| Deposits | Q1 2025vs Q1 2024 | $80MM$82.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.9MM$7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $702K$699K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.4MM$427K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |