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
Unfavorable gap of $1.9M · efficiency ratio beats 94% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 1.03% | 1.24% | 1.54% | Beats 72% | 27 / 98 | | |
| Return on Equity | 9.33% | 8.85% | 11.58% | 14.73% | Beats 28% | 71 / 98 | | |
| Net Interest Margin | 3.37% | 3.24% | 3.62% | 3.91% | Beats 34% | 65 / 98 | | |
| Efficiency Ratio | 44.61% | 51.87% | 58.88% | 64.74% | Beats 94% | 7 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 17.33% | 11.81% | 13.71% | 17.33% | Beats 74% | 25 / 98 | | |
| Total Risk-Based Capital Ratio | 17.33% | 11.81% | 14.13% | 17.45% | Beats 71% | 28 / 98 | | |
| Equity / Assets | 16.43% | 8.60% | 11.34% | 13.10% | Beats 87% | 13 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.17% | 57.09% | 69.84% | 82.47% | 41st pctl | 58 / 98 | | |
| Loans / Assets | 54.22% | 49.34% | 58.31% | 68.94% | 40th pctl | 59 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |