B
The Gerber State Bank
ArgentaIL
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings The Gerber State Bank
Argenta, IL
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Rating B
Asset Quality Index 6.50
Capitalization Index 10.00
Liquidity Index 4.20
Profitability Index 4.20
Stability Index 5.60
Company Info The Gerber State Bank
Argenta, IL
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FDIC Number 899
Phone Number (217) 795-2331
Website www.gerberstatebank.com
Asset Quality The Gerber State Bank
Argenta, IL
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1-Year Asset Growth 13.02%
5-Year Asset Growth 2.62%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.08%
Non-Performing Assets to Assets 0.58%
Non-Performing Loans to Capital 4.86%
Non-Performing Loans to Loans 1.23%
Balance Sheet The Gerber State Bank
Argenta, IL
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Total Assets 100.64M
Total Deposits 77.28M
Capital and Reserves The Gerber State Bank
Argenta, IL
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Capital 10.00M
Leverage Ratio 11.87
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio --
Liquidity The Gerber State Bank
Argenta, IL
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Hot Money Ratio 14.88%
Liquidity Ratio 17.25%
Profitability The Gerber State Bank
Argenta, IL
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5-Year Return on Average Assets 0.81%
Net Income 999.00K
Net Interest Spread 3.15%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 67.90%
Return on Assets 1.02%
Return on Equity 11.78%