# GERBER STATE BANK
ARGENTA, IL · FDIC certificate 899 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $100.8M | |
| Deposits | $78.1M | |
| Loans and leases | $47.7M | |
| Total equity | $9.9M | |
| Loans / deposits | 60.21% (p30 of band) | 73.59% |
| Liquid assets / assets | 51.44% (p79 of band) | |
| Uninsured deposits / deposits | 23.99% (p65 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.44% (p88 of band) | |
| FHLB advances / assets | 12.44% | |
| Tier 1 leverage | 12.31% (p56 of band) | 11.76% |
| Unrealized securities loss / equity | -29.88% (p14 of band) | -6.57% |
| AOCI / equity | -2.11% (p11 of band) | |
| ROA (annualized) | 1.14% (p49 of band) | 1.17% |
| Net interest margin | 3.14% (p16 of band) | 3.93% |
| Efficiency ratio | 64.34% (p46 of band) | |
| Noncurrent loans | 1.31% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p9 of band) | |
| Reserve coverage of noncurrent | 116.29% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 37.50% (p70 of band) | |
| Auto loans | $616,000 (1.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, NIM <2.5% |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | deposits shrinking |  |
| 2015-03 | 2 |  | NIM <2.5% |
| 2015-06 | 3 | assets shrinking |  |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 1 | capital falling | reserve under noncurrent |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | reserve under noncurrent |
| 2018-06 | 1 | reserve under noncurrent | capital falling |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | reserve under noncurrent, assets shrinking |
| 2019-09 | 1 |  | deposits shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2020-06 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 4 | NIM <2.5%, noncurrent p90 |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 2 | uninsured deposits leaving | deposits shrinking |
| 2024-09 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2024-12 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | uninsured deposits leaving |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 1 | capital falling | securities losses >30% of equity, reserve under noncurrent |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-03-08 [William Edward "Bill" Parr's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNVVR6ZXRzNGdGUVFvLThBWDFabFVaMkd3VHA5VF8tb0U5QWxCWTNXbkNpMTJXR2ExSkxpd25VQ2JTaEYwOVFmbUdueGZZek4xZkIyTW5mRVlwZ1dEN1RVLUsxdWZfUmtBV05vQ1FSZlZ3b2g4UjU2RG5qazFKM3Z0bnJB?oc=5) · gracelandfairlawn.com
- 2019-03-06 [New Berlin man charged with child porn possession has court hearing - The State Journal-Register](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeldRTlZtQlNsUnU0dVFraDltSGZmMW1DYU5hcjliVzBCVWl0NDZ1NURJNHpNZ05wdHlTVFJlVkxFSnRxeUY5ODdXWFpWS3EybWFnbUw2OGI0U2E5V2JZdFZrYU1yOFBSWjdEU29fSVU4cU9wS2FrS2tfc0dqcHdHUDB0MEJnSkx0cjNNd3VwZHY2cHc?oc=5) · The State Journal-Register
- 2024-12-16 [Ruth Anna Wolf (94) of Shelbyville, formerly of Neoga and Argenta - thexradio.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQQ0d4NmpQUE1UdnZaQTJ6blpJQ1lReS1hVzNCQWdLR3E1d0VIckVNOVpKbEdBSEdBaFBLSkhoS2RYeEVHV1RnSTYwcHJJa0FiWm5xdUhnN1h5Y1dnVE5BbkNRdVJDSVVldU1tdnVvNmpJdHNzeW9qZm1PYlAtZHlVYUZfeFE0LTNYdUI3N0tQSVVQZ2s0OVZDVTBTUDM3RnQyeW5VMGkzWnY?oc=5) · thexradio.com
- 2017-01-13 [Olympic Gold Medalist Aaric Kendall To Carve Ice Sculptures for Argenta Icefest - wandtv.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPeHZjQ2J5WU5BMUx4eE9aX3cyLTFIOHhXU25PWHI4QW1YdEJWV0FtZm9jVzlrdTFTWkhOckZKVkF3TTdqMU1ZY0hEcnBybTk3WmFrNjI0eGNiSkY1RWk2bFRMNUxNUDB2WlF0ak1fQ0RRY3BGdC1lYkFOeHBLaTJwM0hjanFEUnJRNmQtbVpJbldGRFVLUHlpWHF3ekJrcUNCS3ZLS1pxUmFGQ2RGNjk1ZDVrcnFfOFZOVDBrOTlpSlhaT1VRWHBsNy1mbm5wNnhtTzhaY2hKQm5XbHg5SDAyVlRmZURTc1FGZGFqbzRn?oc=5) · wandtv.com
- 2025-09-05 [Eric Brown Obituary (1966 - 2025) - Decatur, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUGJxb2FSbTV0UnNIYmxVUnR3RjllYmg1N2REbjRONThqSllhVDhPbExWS09FN2ZXdFhIZlRxZEMxU3RnenpUNkNCU0ZXRGFmc0FPU2dMY2h4OXJQU2hKdjZTWmFtdXZwLWxEQUZBZDJRd2c1bUxEdlA2Z2pCX0hfNzBoNU5mRHJQbnYxaEJwcXA?oc=5) · legacy.com
- 2019-04-15 [New Berlin man's child porn case transferred to federal court - The State Journal-Register](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYmktVHJLNkxITGNuRnBZTFF5N2UzY2YxTHNkdFhaOU9LczlUSTFwU2RfZm1vSi05OVJxT2hkOUtaOUlWSDlUZ1NaSlYzUnhSQ1JqSTk2SG15dWlaaFhWZVRhcWd0RFFrSC1QMXFVSWo0Yy04YTlZZW1WVWtuSTh0bVBZYXZBT0J0eFRR?oc=5) · The State Journal-Register
- 2022-04-26 [Nancy Anderson Obituary (1942 - 2022) - Decatur, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOSjZVeXJ4d2lzbzJfMUNCSUo0aW9JWW1zZFVhdExBZDQ0LWRIeDdTcGVscVIzRTVaMzZOOGIxSlZYQ1BXS0c4U2htRzVvU0kxVDZNY04tN0RJYmJUM0ZWbndwbi1Xa2MwMExnU0JFQkZ4bC14UTZ0dzF5UExYX1JyNi1mOHIwSExwUW5SMzNsOEZYOXBzTnc?oc=5) · legacy.com
- 2003-07-02 [Lornie Logue Obituary (2003) - Argenta, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdElVcUV0dzlPRlAxd2pOQXlHT0NUaUVRYmNTelZJSVVIYVFiazQ5cWlmRzZBUzhEZldIRGRQd0VHdTlPcjRJZzBoMW82UDJEUkdpUm5FeHJhaGVDZXRiN3IwNU45WjdNSk9DclJSUnVzSnAyaDFCRjFLeEg0VGptV21nTTdFTlNtemxjX0hlcFhxQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=899 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "899", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide