Total Assets
$123M
Total balance-sheet footings
FDIC Cert #10919 · Bern, Kansas · Est. 1889
The State Bank of Bern - FDIC Bank Health Profile
A community-scale look at The State Bank of Bern's own numbers, pulled straight from its quarterly FDIC Call Report.
- $123M
- Total assets
- A
- Health grade · Excellent
- 1.52%
- Return on assets
- 17.5%
- Tier 1 capital
Data updated July 2026
The verdict
The State Bank of Bern earns a PlainBankData health grade of A (100/100), with well-capitalized at 17.51% Tier 1, profitable at 1.52% ROA, efficient (48% cost ratio).
- #3,561
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 17.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The State Bank of Bern's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The State Bank of Bern's composite health score
Tier 1 Capital Ratio (17.51%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (48.26%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$102M
Customer-funded liabilities
Net Loans
$71M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The State Bank of Bern ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The State Bank of Bern's score of 100/100 falls in the highlighted band.
The State Bank of Bern's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The State Bank of Bern's $123M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.51%
Texas Ratio
0.00%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
9.31%
Efficiency Ratio
48.26%
What the numbers say about The State Bank of Bern
The State Bank of Bern is an FDIC-insured institution (Certificate #10919) headquartered in Bern, Kansas, established in 1889. It holds $123M in total assets - 3,561st of 4,313 FDIC-insured banks, $102M in customer deposits, and $71M in net loans. Its capital position: a Tier 1 ratio of 17.51%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The State Bank of Bern is a community-scale institution -- 125th of 188 FDIC-insured banks headquartered in Kansas by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$80K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The State Bank of Bern reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The State Bank of Bern (FDIC Cert #10919) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is The State Bank of Bern's health grade?▼
The State Bank of Bern receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The State Bank of Bern?▼
The State Bank of Bern holds $123M in total assets and $102M in deposits, ranking 3,561st of 4,313 FDIC-insured banks by asset size. It is headquartered in Bern, Kansas.
Is my money safe at The State Bank of Bern?▼
Yes, deposits at The State Bank of Bern (Certificate #10919) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The State Bank of Bern's Tier 1 Capital Ratio?▼
The State Bank of Bern has a Tier 1 Capital Ratio of 17.51%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The State Bank of Bern?▼
The State Bank of Bern has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The State Bank of Bern?▼
The State Bank of Bern has an Efficiency Ratio of 48.26%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The State Bank of Bern's profile as a depositor or analyst.
- The State Bank of Bern's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The State Bank of Bern against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.