State Bank of Bern
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Bern is an FDIC-insured commercial bank headquartered in Bern, KS, established in 1889 (FDIC certificate 10919), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $128.2M, up 8.1% from Q2 2025, the 123rd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10919
- Headquarters
- Bern, KS
- Established
- 1889
- Total assets, Q2 2026
- $128.2M
- Assets vs Q2 2025
- +8.1%
- Tier 1 leverage ratio, Q2 2026
- 17.33%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101107446
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Bern call report
- Holding company
- BERN BANCSHARES, INC.
- Asset rank in state
- 123rd of 182 in Kansas
State Bank of Bern carries far more capital than most banks of its size. The Bern, Kansas bank had $128 million in assets at June 30, 2026, up 8.1% from a year earlier. It funds 17.33% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
As of June 30, 2026, State Bank of Bern reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, State Bank of Bern is the 123rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $128.2M, loans fell 0.1% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 57.8% of total loans, followed by farmland and other real estate loans at 31.9%. The FDIC Summary of Deposits lists 2 offices for it, in Axtell, KS and Bern, KS; its Axtell office books 54% of its branch deposits. On its Q2 2026 call report, State Bank of Bern meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 402 Main St, Bern, KS 66408
- County
- Nemaha
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 4, 1889
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $106.7M
- Allowance for credit losses
- $962K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $127.8M
- Average total loans
- $69.4M
- Average interest-bearing deposits
- $105.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10919
- Fed RSSD
- 1013650
- Website
- Statebankofbern.com →
- Parent Holding Company
- BERN BANCSHARES, INC. (RSSD 1065190)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, State Bank of Bern reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of Bern's total assets ranged from $107.6M (Q3 2023) to $128.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$128.2M total assets against $118.6M; $107.1M total liabilities against $99.5M.
$68.5M net loans and leases against $63.1M; $106.7M total deposits against $99.0M.
$45.6M securities against $48.4M; $11.6M cash and balances due against $4.6M.
$1.6M total interest income against $1.5M; $522K total interest expense against $489K.
$1.1M net interest income against $1.0M.
$16K total noninterest income against $17K; $515K total noninterest expense against $515K.
No provision recorded in the last 12 quarters.
$483K net income against $456K.
1.51% return on assets against 1.54%; 3.60% net interest margin against 3.61%.
17.33% tier 1 leverage ratio against 17.59%.
Inside the full State Bank of Bern terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of Bern rankings
Its closest position to the top of a national ranking is 398 of 3,606, for efficiency ratio; its furthest is 3,605 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q4 2024) to 1.74% (Q3 2025) and its net interest margin ran from 3.48% (Q4 2025) to 3.82% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.33% | 1.51% | 0.00% | 0.00% | 3.60% |
| Q1 2026 | 17.10% | 1.58% | 0.00% | 0.00% | 3.58% |
| Q4 2025 | 17.51% | 1.14% | 0.00% | 0.00% | 3.48% |
| Q3 2025 | 17.97% | 1.74% | 0.00% | 0.01% | 3.76% |
| Q2 2025 | 17.59% | 1.54% | 0.00% | 0.00% | 3.61% |
| Q1 2025 | 17.59% | 1.63% | 0.00% | 0.00% | 3.67% |
| Q4 2024 | 17.28% | 0.37% | 0.00% | 0.00% | 3.76% |
| Q3 2024 | 17.68% | 1.62% | 0.00% | 0.00% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Axtell Branch | Axtell , KS | 66403 | $57.3M |
| The State Bank of Bern | Bern , KS | 66408 | $49.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 150 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $78K approved, $78K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank of Bern
What are State Bank of Bern's total assets?
As of the Q2 2026 filing, State Bank of Bern reported total assets of $128.2 million in its FFIEC call report.
Where is State Bank of Bern headquartered?
It is headquartered in Bern, KS, United States.
When was State Bank of Bern founded?
It was established in 1889, per the FDIC institution directory.
Is State Bank of Bern FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Bern?
State Bank of Bern's primary federal regulator is the FDIC.
How many branches does State Bank of Bern operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Bern's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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