TellerScore

The State Bank of Bern (FDIC certificate #10919) is based in Bern, Kansas. Its Q2 2026 call report shows $128.2M in total assets and $106.7M in deposits and 2 offices.

Based on its Q2 2026 filing, The State Bank of Bern scores 95/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 5th. Its strongest component is capital cushion (100/100; 17.33%), and its lowest is earnings (83/100; 1.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.33%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings83/100
Return on assets (annualized): 1.56%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 64.3% · 23.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (95 → 95).

TellerScore
859196Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202494
Q4 202492
Q1 202596
Q2 202595
Q3 202595
Q4 202594
Q1 202695
Q2 202695
Tier 1 leverage ratio
5.00%11.48%17.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.31%
Q3 202417.68%
Q4 202417.28%
Q1 202517.59%
Q2 202517.59%
Q3 202517.97%
Q4 202517.51%
Q1 202617.10%
Q2 202617.33%
Noncurrent loans
0.00%0.48%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.96%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.19%1.41%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.46%
Q4 20241.19%
Q1 20251.63%
Q2 20251.59%
Q3 20251.64%
Q4 20251.52%
Q1 20261.61%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$128.2M17.33%0.00%1.56%64.3%
Q1 202695$126.4M17.10%0.00%1.61%65.0%
Q4 202594$122.7M17.51%0.00%1.52%69.8%
Q3 202595$119.0M17.97%0.00%1.64%65.7%
Q2 202595$118.6M17.59%0.00%1.59%63.7%
Q1 202596$116.3M17.59%0.00%1.63%62.3%
Q4 202492$114.0M17.28%0.00%1.19%65.8%
Q3 202494$114.6M17.68%0.00%1.46%61.4%
Q2 202485$114.0M17.31%0.96%1.38%58.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.33%
94th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.00%
82nd
Return on assets1.56%
69th
Net interest margin3.58%
32nd
Efficiency ratio44.6%
92nd
Loans to deposits64.3%
77th
Uninsured deposits23.2%
52nd
Loan-loss reserves1.38%
71st
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Stockgrowers State BankBank Maple Hill, KS83 out of 100, Strong$128.3M11.6%0.13%vs
Community Bank of Wichita, Inc.Bank Wichita, KS63 out of 100, Moderate$128.3M8.6%0.72%vs
Bison State BankBank Bison, KS68 out of 100, Moderate$125.8M10.3%0.32%vs
The Bendena State BankBank Bendena, KS77 out of 100, Strong$131.5M10.0%0.00%vs
The Riley State Bank of Riley, KansasBank Riley, KS78 out of 100, Strong$132.0M10.5%0.00%vs
The Wilson State BankBank Wilson, KS74 out of 100, Strong$123.1M9.5%0.00%vs

Deposit insurance

Is my money safe at The State Bank of Bern?

Yes. The State Bank of Bern is an FDIC-insured institution (FDIC certificate #10919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.2% of deposits ($24.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The State Bank of Bern lists 2 offices in 2 cities. Most locations:

  • Axtell, KS (1)
  • Bern, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The State Bank of Bern
Type
State-chartered bank
FDIC certificate #
10919
RSSD ID
1013650
Primary regulator
FDIC
Holding company
Bern Bancshares Inc
Established
May 4, 1889
Headquarters
402 Main St, Bern, KS 66408
Employees
13

Quick answers

The State Bank of Bern: common questions

Is The State Bank of Bern FDIC insured?

Yes. The State Bank of Bern is an FDIC-insured institution (FDIC certificate #10919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The State Bank of Bern's TellerScore?

95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The State Bank of Bern ever failed?

There is no failure record for FDIC certificate #10919 in the FDIC failed bank list.

How many branches does The State Bank of Bern have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bern

InstitutionScoreAssetsCapitalProblem loansCompare
F&M BankBank Falls City, NE83 out of 100, Strong$135.3M11.6%0.00%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
FirstBank of NebraskaBank Wahoo, NE77 out of 100, Strong$498.1M11.2%0.89%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs
The Farmers State BankBank Fairview, KS75 out of 100, Strong$26.6M10.2%0.66%vs
Western National BankBank Chester, NE74 out of 100, Strong$257.4M9.1%0.02%vs