Advertisement
The State Bank Of Bern
Bern, KS · FDIC Certificate #10919 · Chartered 05/0
Total assets
$128.20M
Total deposits
$106.66M
Total equity
$21.06M
Net loans
$68.54M
Branches (offices)
2
Net income (YTD)
$983.00K
Rank: #3,472 of 4,213 U.S. banks by assets · #123 of 183 in Kansas. Assets changed 8.1% and deposits 7.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 9.48% |
| Net interest margin (YTD) | 3.58% |
| Equity to assets | 16.43% |
| Tier 1 leverage ratio | 17.33% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 64.3% |
| Real estate loans (share of loans) | 34.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.73M | 34.6% | |
| Commercial & industrial | $3.75M | 5.5% | |
| Consumer / individual | $1.32M | 1.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $40.19M | 58.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $115.27M | $100.12M | $679.00K | $15.04M |
| Jun 2023 | $109.14M | $92.34M | $753.00K | $16.36M |
| Jun 2024 | $113.99M | $96.04M | $781.00K | $17.36M |
| Jun 2025 | $118.63M | $99.03M | $926.00K | $19.12M |
| Jun 2026 | $128.20M | $106.66M | $983.00K | $21.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $106.66M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $106.66M.
Similar-sized banks
The Stockgrowers State Bank ($128.33M) · Fnb Coweta ($127.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement