BlastPoint's Banking Scorecard
The Gerber State Bank
Argenta, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +3.9% year over year ($78.1M on the books).
- Delinquency rate 1.33%.
- Return on assets 1.14%.
- Efficiency ratio 64.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Gerber State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.14% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.85% below tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.8M
+16.0% YoY
+0.5% QoQ
|
-$285.7M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.2% in tier |
| Total Loans ? |
$47.0M
+7.6% YoY
+3.5% QoQ
|
-$211.4M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.5% in tier |
| Total Deposits ? |
$78.1M
+3.9% YoY
-1.4% QoQ
|
-$248.7M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.9% in tier |
| Return on Assets ? |
1.14%
+40.6% YoY
+6.0% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.14%
+3.3% YoY
-0.5% QoQ
|
-0.85% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio ? |
64.34%
-11.0% YoY
-0.4% QoQ
|
-0.14% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
1.33%
-46.6% YoY
+1.8% QoQ
|
+0.41% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
60.21%
+3.5% YoY
+5.1% QoQ
|
-17.75% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
14.32%
-0.9% YoY
+5.0% QoQ
|
-7.71% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.62%
-50.5% YoY
+4.8% QoQ
|
-0.05% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
12.31%
-45.0% YoY
-1.6% QoQ
|
-3.60% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.14%
+4.9% YoY
+113.6% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.3%
-0.1pp YoY +0.7pp QoQ |
-7.8pp | 22.1% | 20.1% | 22.2% | 21% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-4.0pp YoY -0.6pp QoQ |
-3.4pp | 11.6% | 14.7% | 12.5% | 41% |
| CRE |
14.5%
+1.7pp YoY -0.1pp QoQ |
-25.1pp | 39.5% | 37.9% | 41.4% | 10% |
| 1-4 Family |
20.8%
+0.2pp YoY +0.6pp QoQ |
-11.8pp | 32.6% | 28.3% | 31.3% | 32% |
| Consumer |
2.4%
-0.2pp YoY -0.1pp QoQ |
-1.8pp | 4.1% | 5.4% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
12.3%
-1.0pp YoY -0.2pp QoQ |
+0.1pp | 12.2% | 12.2% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+2 (+14.3%) YoY +2 (+14.3%) QoQ |
-43 | 58 | 228 | 482 | 5% |
| Assets per Employee ($) |
$6.3M
+1.5% YoY -12.0% QoQ |
-$1.2M | $7.5M | $8.3M | $8.8M | 39% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 62% |
| Nonaccrual |
1.2%
-0.8pp YoY 0.0pp QoQ |
+0.2pp | 0.9% | 1.1% | 1.0% | 75% |
| Allowance Coverage |
1.16x
+78.3% YoY -5.0% QoQ |
-22.99x | 24.15x | 5.62x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+2.3pp YoY +0.7pp QoQ |
-0.7pp | 12.2% | 10.5% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.2%
+0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$573,000
+60.1% YoY — QoQ |
-$2.0M | $2.6M | $11.7M | $40.4M | 12% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.