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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