State Bank of Bern: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Bern of Bern, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.51% | 1.34% | +0.17% | 64th above |
| ROAE | 9.32% | 13.32% | -4.00% | 32nd below |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 44.59% | 61.13% | -16.54% | 90th top |
| PPNR / Avg Assets | 1.86% | 1.68% | +0.18% | 66th above |
| Yield on Earning Assets | 5.24% | 5.67% | -0.43% | 32nd below |
| Cost of Funds | 1.44% | 1.88% | -0.44% | 72nd above |
| Net Interest Spread | 2.12% | 3.32% | -1.20% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 71st above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.33% | 12.14% | +5.19% | 93rd top |
| Equity / Assets | 16.43% | 11.36% | +5.07% | 92nd top |
| TCE / Tangible Assets | 16.43% | 11.08% | +5.35% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.17% | 80.66% | -15.49% | 77th top |
| Core Deposit Ratio | 86.72% | 86.85% | -0.13% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.06% | 6.84% | +1.22% | 75th top |
| Loan Growth (Y/Y) | 8.52% | 7.92% | +0.60% | 68th above |
| Deposit Growth (Y/Y) | 7.70% | 6.29% | +1.41% | 74th above |
See State Bank of Bern's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Bern, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Bank of Bern profile, how to read a UBPR, or how this data updates.