STATE BANK OF BERN

BERN, KS | Small | Est. May 4, 1889, midnight | FDIC #10919 | RSSD #1013650 | FDIC
Latest Report: 2025-12-31

STATE BANK OF BERN is asn small FDIC-insured commercial bank headquartered in BERN, KS, established in May 4, 1889, midnight. As of 2025-12-31, the bank reported total assets of $123M and total deposits of $102M. Profitability stands at 1.17% ROA and 6.93% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 16.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10919.

Assets

$123M

Deposits

$102M

Loans

$72M

Equity

$21M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 6.93%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.42%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 16.91%
Tier 1 Capital 16.91%
Total Capital Ratio 17.75%
Leverage Ratio 17.51%
Loan-to-Deposit 70.72%

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