Bank Comparison
State Bank of Bern vs 1st Equity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 11
winning metrics across 16 comparable rows
Capital adequacy
| Metric | State Bank of Bern | 1st Equity Bank |
|---|---|---|
| CET1 Ratio | — | 22.76% |
| Tier 1 Capital Ratio | — | 22.76% |
| Total Capital Ratio | — | 24.02% |
| Tier 1 Leverage Ratio | 17.10% | 16.22% |
| Equity / Assets | 16.13% | 16.91% |
Profitability
| Metric | State Bank of Bern | 1st Equity Bank |
|---|---|---|
| Return on Assets (ROA) | 1.58% | 1.62% |
| Return on Equity (ROE) | 9.72% | 9.78% |
| Net Interest Margin (NIM) | 3.58% | 3.87% |
| Yield on Earning Assets | 5.24% | 6.01% |
| Cost of Funds | 1.99% | 2.43% |
Asset quality
| Metric | State Bank of Bern | 1st Equity Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.38% | 1.65% |
Balance sheet
| Metric | State Bank of Bern | 1st Equity Bank |
|---|---|---|
| Total Assets | $126,405K | $126,495K |
| Total Deposits | $105,504K | $83,767K |
| Total Loans | $69,567K | $90,288K |
| Total Equity | $20,394K | $21,392K |
| Net Income (quarter) | $500 | $515 |
Liquidity & funding
| Metric | State Bank of Bern | 1st Equity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.94% | 107.78% |
| Core Deposit Ratio | 88.05% | 90.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Bern | 1st Equity Bank |
|---|---|---|
| Headquarters City | BERN | SKOKIE |
| Headquarters State | KS | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 13 | 12 |
| Established | May 4, 1889, midnight | June 9, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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