GERBER BANCSHARES INC is the bank holding company. THE GERBER STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

GERBER BANCSHARES INC

Legal name: GERBER BANCSHARES, INC.

1 active bank · $100M combined assets

RSSD ID: 3420702 (FFIEC NIC)

Combined Assets

$100M

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE GERBER STATE BANKARGENTA, ILSatisfactory$100MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$100M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$79M

Net Income

$270K

ROA (avg)

1.07%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2018Lender rankings →

Aggregated HMDA data across all active charters for 2018.

Applications

233

Origination Rate

68.24%

Denial Rate

17.17%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE GERBER STATE BANK	ARGENTA, IL	FDIC	$100M	100.0%	Satisfactory	Nov 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.