State Bank of Bern: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 3.23 percentage points in Q2 2026, from 32.35% to 35.58%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, State Bank of Bern is 83rd of 182 on return on assets, 1.51% as of Q2 2026, above the middle of the field. State Bank of Bern reported 1.51% on return on assets for Q2 2026, 0.26 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.33% |
| Equity capital to assets | 16.43% |
| Tangible equity to tangible assets | 16.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 9.32% |
| Net interest margin | 3.60% |
| Efficiency ratio | 44.59% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.17% |
| Core deposits to total deposits | 86.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.20% |
| Securities to assets | 35.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.66% | 1.39% | 3.39% | 0.91% | -0.03% |
| Q4 2023 | 17.60% | 0.36% | 4.09% | 0.00% | -0.01% |
| Q1 2024 | 17.37% | 1.43% | 3.61% | 0.00% | -0.01% |
| Q2 2024 | 17.31% | 1.33% | 3.67% | 0.00% | 0.01% |
| Q3 2024 | 17.68% | 1.62% | 3.82% | 0.00% | -0.01% |
| Q4 2024 | 17.28% | 0.37% | 3.76% | 0.00% | -0.01% |
| Q1 2025 | 17.59% | 1.63% | 3.67% | 0.00% | -0.04% |
| Q2 2025 | 17.59% | 1.54% | 3.61% | 0.00% | 0.00% |
| Q3 2025 | 17.97% | 1.74% | 3.76% | 0.00% | -0.01% |
| Q4 2025 | 17.51% | 1.14% | 3.48% | 0.00% | -0.04% |
| Q1 2026 | 17.10% | 1.58% | 3.58% | 0.00% | 0.00% |
| Q2 2026 | 17.33% | 1.51% | 3.60% | 0.00% | -0.01% |
State Bank of Bern vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bern, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank of Bern profile, peer group comparison, or how this data updates.
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