The State Bank of Bern: how it compares with its peers
Against 75 KS banks with half to twice its assets, The State Bank of Bern's strongest measure in Q2 2026 is efficiency ratio (44.61% vs. a 59.23% peer median). Its weakest relative measure is net interest margin (3.58% vs. 3.98%).
| Measure | The State Bank of Bern | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 1.38% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.98% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.61% | 59.23% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $7.0M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.26% | 75.42% | Context |
What it means for lending operations
Its efficiency ratio of 44.61% is better than the 59.23% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Stockgrowers State Bank Maple Hill, KS · $128M
- Community Bank of Wichita, Inc. Wichita, KS · $128M
- Bison State Bank Bison, KS · $126M
- The Bendena State Bank Bendena, KS · $132M
- The Riley State Bank of Riley, Kansas Riley, KS · $132M
- The Wilson State Bank Wilson, KS · $123M
Questions about The State Bank of Bern
How big is The State Bank of Bern?
The State Bank of Bern, established in 1889, is headquartered in Bern, KS. It reported $128M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The State Bank of Bern's return on assets?
1.56% annualized in Q2 2026, against a 1.38% median for 75 KS banks with half to twice its assets, ahead of 60% of them.
What is The State Bank of Bern's efficiency ratio?
44.61% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 59.23%, and lower is better.
Is The State Bank of Bern growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.