| Metric | The Gerber State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.0% | +4.4% | +11.7 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.8M | $78.1M | $47.0M | $9.9M | $573K | 1.14% | 3.14% | 0.62% |
| Q1 2026 | $100.3M | $79.2M | $45.4M | $10.0M | $270K | 1.07% | 3.15% | 0.59% |
| Q4 2025 | $100.6M | $77.3M | $46.8M | $10.0M | $999K | 1.07% | 3.13% | 0.65% |
| Q3 2025 | $100.1M | $81.6M | $44.0M | $9.3M | $678K | 0.99% | 3.14% | 1.04% |
| Q2 2025 | $86.9M | $75.1M | $43.7M | $8.0M | $358K | 0.81% | 3.04% | 1.25% |
| Q1 2025 | $89.2M | $80.0M | $41.3M | $7.9M | $129K | 0.58% | 3.03% | 1.12% |
| Q4 2024 | $89.0M | $78.6M | $43.0M | $7.6M | $922K | 1.02% | 2.96% | 1.14% |
| Q3 2024 | $91.7M | $82.1M | $41.4M | $8.5M | $661K | 0.97% | 2.97% | 0.83% |
Loan mix (Q2 2026): real estate $27.1M · commercial $3.8M · consumer $1.1M · securities $50.1M
| Ratio | The Gerber State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 62.9% | 54th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Gerber State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Gerber State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Gerber State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Gerber State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Gerber State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $78.1M branch deposits. Biggest market: Macon, IL, ranked 14th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macon, IL | 2 | $78.1M | 2.51% | 14th |
Illinois: 386th with 0.01% · Decatur metro: 14th, 2.51% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2