Is Gerber State Bank Safe?
Gerber State Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (61/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.85% | 100/100 |
| Nonperforming Loan Ratio | 1.58% | 68/100 |
| Liquidity Ratio | 51.27% | 100/100 |
| Return on Assets | 1.02% | 61/100 |
| Total Assets | $0.1B | |
How does Gerber State Bank compare?
With a Bank Health Score of 87/100, Gerber State Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Gerber State Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 22.85% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.58% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Gerber State Bank's Bank Health Score fell by 3.0 points to 87/100. Tier 1 capital was essentially flat at 22.85%. Quarter-over-quarter, the score fell by 2.0 points.
Gerber State Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (61/100).