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State Bank of Bern

Bern, KS · Cert 10919 · Bern Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank of Bern

Bern, KS · Cert 10919 · Bern Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$128.2MAssets
$69.5MLoans
$106.7MDeposits
$21.1MEquity
Loan mix
81%RE $21.4M14%C&I $3.8M5%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $67.8M36%Noninterest $38.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.56%, down 3 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.33%, down 26 bps from a year ago.
  • Funding: loans stand at 65.17% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.56%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+1 bps YoY

Efficiency Ratio (YTD, annualized)

44.61%-371 bps YoY

Tier 1 Leverage Ratio

17.33%-26 bps YoY

NIM

4.83%Q2 ’244.98%Q2 ’254.99%Q2 ’26+0%+0%

Non-interest income vs. expense

1.78%Q2 ’241.65%Q2 ’251.53%Q2 ’26-7%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.19%1.63%1.59%1.64%1.52%1.61%1.56%-3 bps
Return on Equity9.42%7.64%10.35%10.02%10.17%9.31%9.72%9.48%-54 bps
Net Interest Margin3.40%3.40%3.36%3.36%3.42%3.26%3.35%3.37%+1 bps
Efficiency Ratio49.43%52.17%46.53%48.32%46.34%48.26%42.72%44.61%-371 bps
Non-Interest Burden1.64%1.74%1.52%1.59%1.55%1.54%1.40%1.47%-11 bps
Growth
Asset Growth (YoY)6.49%3.03%0.33%4.07%3.91%7.64%8.67%8.06%+400 bps
Loan Growth (YoY)8.46%6.55%7.50%11.51%10.57%12.39%12.92%8.52%-300 bps
Deposit Growth (YoY)3.58%2.79%-0.63%3.12%3.42%6.13%8.37%7.70%+458 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.04%-0.02%-0.01%-0.02%0.00%0.00%+2 bps
Allowance / Loans1.60%1.48%1.55%1.49%1.45%1.34%1.38%1.38%-10 bps
Allowance Coverage of NPLsn/an/an/an/a318.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio17.68%17.28%17.59%17.59%17.97%17.51%17.10%17.33%-26 bps
Total Risk-Based Capital17.68%17.28%17.59%17.59%17.97%17.51%17.10%17.33%-26 bps
Equity / Assets16.34%15.73%15.83%16.11%16.92%16.91%16.13%16.43%+31 bps
Liquidity & Funding
Loans / Deposits62.38%66.78%63.28%64.68%66.69%70.72%65.94%65.17%+49 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a5.68%5.41%5.27%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Bank of Bern

Bern, KS · Cert 10919 · Peer group: banks under $1B in assets in KS (n=98) · Bern Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$128.2MAssets
$69.5MLoans
$106.7MDeposits
$21.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: return on equity trails 72% of banks under $1B in assets in KS (rank 71 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.53%

Rank 27 of 98

Net Interest Margin

3.37%

Rank 65 of 98

Efficiency Ratio

44.61%

Rank 7 of 98

Equity / Assets

16.43%

Rank 13 of 98

Non-interest income vs. expense

$0.1M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 94% of banks under $1B in assets in KS
Bank 44.61%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%1.03%1.24%1.54%Beats 72%27 / 98
Return on Equity9.33%8.85%11.58%14.73%Beats 28%71 / 98
Net Interest Margin3.37%3.24%3.62%3.91%Beats 34%65 / 98
Efficiency Ratio44.61%51.87%58.88%64.74%Beats 94%7 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio17.33%11.81%13.71%17.33%Beats 74%25 / 98
Total Risk-Based Capital Ratio17.33%11.81%14.13%17.45%Beats 71%28 / 98
Equity / Assets16.43%8.60%11.34%13.10%Beats 87%13 / 98
Liquidity & Funding
Loans / Deposits65.17%57.09%69.84%82.47%41st pctl58 / 98
Loans / Assets54.22%49.34%58.31%68.94%40th pctl59 / 98
Brokered Deposits / Depositsn/aNot reported for this institution