The State Bank of Bern
Bern, KS
IDRSSD: 1013650
Total Assets
$122.70M
Latest filing
Total Deposits
$101.51M
Latest filing
Net Interest Margin
3.43%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The State Bank of Bern
402 Main St
Bern, KS 66408
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/04/1889FDIC Certificate 6992
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The State Bank of Bern (Main) | 402 Main St | Bern, KS |
| AXTELL BRANCH | 413 Maple St | Axtell, KS |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/04/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66408 |
| State and County Number | 20131 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | Statebankofbern.com |
| Data Updated | 01/30/2026 |
| CERT | 10919 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $122.70M |
| Total Deposits | $101.51M |
| Total Liabilities | $101.96M |
| Total Equity Capital | $20.75M |
| Net Income | $354.00k |
| Net Loans and Leases | $70.82M |
| Assets Per Employee ($Millions) | $8.76M |
| Bank Premises and Fixed Assets | $87.00k |
| Cash and Balances due from Depository Institutions | $2.90M |
| Deposits Held in Domestic Offices | $101.51M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 6.93% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 54.16% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.907% |
| Earning Assets to total Assets | 95.38% |
Income and Expense
| Total Interest Income | $1.51M |
| Total Noninterest Income | $22.00k |
| Total Interest Expense | $519.00k |
| Total Noninterest Expense | $547.00k |
| Net Interest Income | $988.00k |
| Pre-tax Net Operating Income | $463.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.46M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $445.00k |
| Total Liabilities and Capital | $122.70M |
Securities
| Securities | $42.76M |
| Available-for-sale debt securities | $42.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The State Bank of Bern?
$122.70M as of the latest filing.
How much are The State Bank of Bern's total deposits?
$101.51M in total deposits.
Where is The State Bank of Bern located?
Bern, KS.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
2.
When was it established?
05/04/1889.
What is the Return on Assets (ROA)?
1.17%.
How much are total loans and leases?
$70.82M (latest filing).
What is the total interest income (latest filing)?
$1.51M.