The Gerber State Bank
Argenta, IL
IDRSSD: 663638
Total Assets
$100.64M
Latest filing
Total Deposits
$77.28M
Latest filing
Net Interest Margin
3.05%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Gerber State Bank
110 E Elm St
Argenta, IL 62501
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/01/1887FDIC Certificate 577
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Gerber State Bank (Main) | 110 E Elm St | Argenta, IL |
| OREANA BRANCH | 102 South State Route 48 | Oreana, IL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62501 |
| State and County Number | 17115 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Decatur, IL |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.gerberstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 899 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $100.64M |
| Total Deposits | $77.28M |
| Total Liabilities | $90.64M |
| Total Equity Capital | $9.99M |
| Net Income | $321.00k |
| Net Loans and Leases | $46.79M |
| Assets Per Employee ($Millions) | $7.19M |
| Bank Premises and Fixed Assets | $385.00k |
| Cash and Balances due from Depository Institutions | $2.06M |
| Deposits Held in Domestic Offices | $77.28M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 13.3% |
| Net Interest Margin | 3.05% |
| Efficiency Ratio | 64.46% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.932% |
| Earning Assets to total Assets | 96.37% |
Income and Expense
| Total Interest Income | $1.09M |
| Total Noninterest Income | $76.00k |
| Total Interest Expense | $347.00k |
| Total Noninterest Expense | $526.00k |
| Net Interest Income | $740.00k |
| Pre-tax Net Operating Income | $320.00k |
| Provision for Credit Losses | $-30,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.84M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.28M |
| All Other Liabilities | $238.00k |
| Total Liabilities and Capital | $100.64M |
Securities
| Securities | $49.51M |
| Available-for-sale debt securities | $49.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Gerber State Bank?
$100.64M as of the latest filing.
How much are The Gerber State Bank's total deposits?
$77.28M in total deposits.
Where is The Gerber State Bank located?
Argenta, IL.
What is the Net Interest Margin?
3.05%.
How many domestic offices does it operate?
2.
When was it established?
10/01/1887.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$46.79M (latest filing).
What is the total interest income (latest filing)?
$1.09M.