State Bank of Bern
Bern, Kansas · FDIC Cert #10919
This is the FDIC profile for State Bank of Bern, an FDIC-insured bank (Certificate #10919) with $114M in total assets and $96M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bern, Kansas, the bank maintains a Tier 1 capital ratio of 17.31% (Well-Capitalized) and a nonperforming loan ratio of 0.96%. BankHealthData assigns a composite Health Grade of A (93/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Bern (FDIC cert 10919) is a community bank — $114M in total assets, $96M in deposits, serving the Bern, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 17.31% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.96% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 41.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.65% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. State Bank of Bern carries a composite BankHealth grade of A (93/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of Bern
- Total Assets
- $114M
- Total Deposits
- $96M
- Tier 1 Capital Ratio
- 17.31%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.96%
- Liquidity Ratio
- 41.12%
- Return on Assets
- 1.65%
- Headquarters
- Bern, Kansas
- FDIC Certificate
- #10919
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of Bern files quarterly Call Reports with the FDIC under Certificate #10919. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track State Bank of Bern
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, State Bank of Bern holds a Tier 1 capital ratio of 17.31%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Bern has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Bern shows strong financial health indicators. With $114M in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of Bern Compares
State Bank of Bern’s Health Score of 93 is 11 points above the Kansas state average of 82 across 159 FDIC-insured banks. Its 17.31% Tier 1 capital ratio is 3.3 points above the US banking industry average near 14%. The 0.96% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.65% is in line with or above the national ROA benchmark of ~1.1%. Among 1180 similarly-sized banks, the average Health Score is 82, meaning this bank ranks above its size cohort. Site-wide, State Bank of Bern is 13 points above the portfolio average of 80.
Frequently Asked Questions
State Bank of Bern has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 17.31%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of Bern's Tier 1 capital ratio of 17.31% and nonperforming loan ratio of 0.96% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of Bern is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10919). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of Bern holds $114M in total assets and $96M in total deposits. It is headquartered in Bern, Kansas (FDIC Certificate #10919).
State Bank of Bern's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10919 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
State Bank of Bern has a Tier 1 capital ratio of 17.31%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.96%, and the return on assets is 1.65%.
Yes. State Bank of Bern is FDIC-insured (Certificate #10919). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Bern's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.