BlastPoint's Banking Scorecard
The Gerber State Bank
Argenta, IL
2 branches across IL
The Gerber State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.70% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 26.1% in tier
- - NIB Deposit Bleed: Bottom 71.7% in tier
- - ROA 0.19% below tier average
- - Net Interest Margin 0.78% below tier average
- - Delinquency Rate 0.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.3M
+12.4% YoY
-0.3% QoQ
|
-$285.8M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.2% in tier |
| Total Loans ? |
$45.4M
+9.8% YoY
-3.0% QoQ
|
-$210.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.3% in tier |
| Total Deposits ? |
$79.2M
-1.1% YoY
+2.5% QoQ
|
-$248.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.9% in tier |
| Return on Assets ? |
1.07%
+85.7% YoY
+0.3% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.15%
+4.1% YoY
+0.7% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
64.59%
-14.2% YoY
-4.9% QoQ
|
-0.70% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
1.31%
-45.9% YoY
-6.2% QoQ
|
+0.42% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
57.30%
+11.0% YoY
-5.4% QoQ
|
-19.34% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
13.64%
-14.3% YoY
+0.3% QoQ
|
-8.38% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.59%
-47.2% YoY
-8.7% QoQ
|
-0.05% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
12.51%
-43.8% YoY
+5.4% QoQ
|
-3.32% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.07%
-0.9% YoY
-74.0% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
31% |
Get Full Access to The Gerber State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.