The Gerber State Bank is a state-chartered bank headquartered in Argenta, Illinois, in business for about 139 years. At the end of Q2 2026 it reported $100.8M in total assets and $78.1M in deposits, with 2 offices.
Based on its Q2 2026 filing, The Gerber State Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 156th. Its strongest component is funding & liquidity (90/100; 60% loans-to-deposits, 24% uninsured), and its lowest is loan quality (56/100; 1.31%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (62 → 71), mostly because the loan quality component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 66 |
| Q4 2024 | 62 |
| Q1 2025 | 59 |
| Q2 2025 | 62 |
| Q3 2025 | 60 |
| Q4 2025 | 69 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.52% |
| Q3 2024 | 12.51% |
| Q4 2024 | 12.60% |
| Q1 2025 | 12.96% |
| Q2 2025 | 13.33% |
| Q3 2025 | 12.18% |
| Q4 2025 | 11.87% |
| Q1 2026 | 12.51% |
| Q2 2026 | 12.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.80% |
| Q4 2024 | 2.32% |
| Q1 2025 | 2.38% |
| Q2 2025 | 2.45% |
| Q3 2025 | 2.32% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.02% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $100.8M | 12.31% | 1.31% | 1.14% | 60.2% |
| Q1 2026 | 72 | $100.3M | 12.51% | 1.29% | 1.07% | 57.3% |
| Q4 2025 | 69 | $100.6M | 11.87% | 1.37% | 1.07% | 60.5% |
| Q3 2025 | 60 | $100.1M | 12.18% | 2.32% | 0.99% | 53.9% |
| Q2 2025 | 62 | $86.9M | 13.33% | 2.45% | 0.81% | 58.2% |
| Q1 2025 | 59 | $89.2M | 12.96% | 2.38% | 0.58% | 51.6% |
| Q4 2024 | 62 | $89.0M | 12.60% | 2.32% | 1.02% | 54.7% |
| Q3 2024 | 66 | $91.7M | 12.51% | 1.80% | 0.97% | 50.4% |
| Q2 2024 | 69 | $87.1M | 12.52% | 1.58% | 1.00% | 53.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of LaconBank Lacon, IL | 78 out of 100, Strong | $103.7M | 11.8% | 0.14% | vs |
| Clay County State BankBank Louisville, IL | 59 out of 100, Moderate | $104.3M | 13.2% | 3.82% | vs |
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| Anderson State BankBank Oneida, IL | 96 out of 100, Very strong | $108.9M | 17.3% | 0.00% | vs |
| Midland Federal Savings and Loan AssociationBank Bridgeview, IL | 51 out of 100, Below average | $111.2M | 8.5% | 1.00% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
Deposit insurance
Is my money safe at The Gerber State Bank?
Yes. The Gerber State Bank is an FDIC-insured institution (FDIC certificate #899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.0% of deposits ($18.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The Gerber State Bank lists 2 offices in 2 cities. Most locations:
- Argenta, IL (1)
- Oreana, IL (1)
Identity & history
Profile
- Legal name
- The Gerber State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 899
- RSSD ID
- 663638
- Primary regulator
- FDIC
- Holding company
- Gerber Bancshares Inc
- Established
- October 1, 1887
- Headquarters
- 110 E Elm St, Argenta, IL 62501
- Website
- www.gerberstatebank.com
- Employees
- 16
Quick answers
The Gerber State Bank: common questions
Is The Gerber State Bank FDIC insured?
Yes. The Gerber State Bank is an FDIC-insured institution (FDIC certificate #899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Gerber State Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Gerber State Bank ever failed?
There is no failure record for FDIC certificate #899 in the FDIC failed bank list.
How many branches does The Gerber State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Argenta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Equity Credit UnionCredit union Decatur, IL | 94 out of 100, Very strong | $66.2M | 18.7% | 0.23% | vs |
| I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL | 94 out of 100, Very strong | $5.0M | 13.5% | 0.00% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Decatur Policemen Credit UnionCredit union Decatur, IL | 85 out of 100, Very strong | $5.3M | 15.0% | 0.44% | vs |
| Peoples Bank of MaconBank Macon, IL | 82 out of 100, Strong | $22.7M | 13.6% | 0.00% | vs |
| Staley Credit UnionCredit union Decatur, IL | 80 out of 100, Strong | $228.5M | 11.8% | 0.13% | vs |