BlastPoint's Banking Scorecard
The State Bank of Bern
Micro
Specialty: Agricultural
KS
FDIC cert 10919
Designations: ✓ Community bank
Bern, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The State Bank of Bern has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.47% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 15.09% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.7M
+7.6% YoY
+3.1% QoQ
|
-$94.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$70.8M
+12.6% YoY
+9.6% QoQ
|
-$68.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$101.5M
+6.1% YoY
+3.2% QoQ
|
-$82.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.52%
+27.9% YoY
-7.5% QoQ
|
+0.44% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.58%
-0.1% YoY
-1.6% QoQ
|
-0.28% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
48.26%
-7.5% YoY
+4.1% QoQ
|
-19.47% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
69.77%
+6.0% YoY
+6.2% QoQ
|
-4.76% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
37.49%
-5.8% YoY
+0.0% QoQ
|
+15.09% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.07%
-17.4% YoY
+33.8% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.26%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.49%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Efficiency Ratio
Current: 48.26% · Tier avg: 67.73%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.49% · Tier avg: 22.39%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.77% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
30
30th pctile
Total Assets
Current: $122.7M · Tier avg: $217.5M
29
29th pctile
Total Loans
Current: $70.8M · Tier avg: $139.2M
29
29th pctile
Total Deposits
Current: $101.5M · Tier avg: $183.7M
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
29
29th pctile
Total Deposits
Current: $101.5M · Tier avg: $183.7M
29
29th pctile
Total Loans
Current: $70.8M · Tier avg: $139.2M
30
30th pctile
Total Assets
Current: $122.7M · Tier avg: $217.5M
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.77% · Tier avg: 74.53%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.49% · Tier avg: 22.39%
92
92th pctile
Efficiency Ratio
Current: 48.26% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%