BlastPoint's Banking Scorecard

The State Bank of Bern

$100M-$1B Specialty: Agricultural KS FDIC cert 10919

Bern, KS

2 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The State Bank of Bern has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 29.1% in tier
+ Efficiency Ratio 22.56% below tier average
+ Non-Interest-Bearing Deposit Share 15.46% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.34% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.36% below tier average

Get updates when The State Bank of Bern releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$126.4M +8.7% YoY +3.0% QoQ	-$259.7M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 7.8% in tier
Total Loans ?	$68.6M +13.1% YoY -3.1% QoQ	-$187.1M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 7.1% in tier
Total Deposits ?	$105.5M +8.4% YoY +3.9% QoQ	-$222.5M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 7.2% in tier
Return on Assets ?	1.61% -1.6% YoY +5.7% QoQ	+0.34%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.57% +1.1% YoY -0.4% QoQ	-0.36%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	42.72% -8.2% YoY -11.5% QoQ	-22.56%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 6.3% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	65.03% +4.4% YoY -6.8% QoQ	-11.61%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	37.48% -3.8% YoY -0.0% QoQ	+15.46%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Top 7.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.10% -2.8% YoY -2.3% QoQ	+1.27%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.01% -28.0% YoY -78.2% QoQ	-0.27%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 2.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#194 of 664 • Top 29.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

169

Efficiency Ratio

profitability

Value: 42.72%

Peer Median: 65.29%

#169 of 2664 Top 6.3% in $100M-$1B

188

Non-Interest-Bearing Deposit Share

funding

Value: 37.48%

Peer Median: 22.02%

#188 of 2664 Top 7.0% in $100M-$1B

607

Tier 1 Capital Ratio

capital

Value: 17.10%

Peer Median: 15.83%

#607 of 2664 Top 22.7% in $100M-$1B

665

Loan-to-Deposit Ratio

liquidity

Value: 65.03%

Peer Median: 76.64%

#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2598

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2598 of 2664 Bottom 2.5% in $100M-$1B

2475

Total Loans

size

Value: $68.61M

Peer Median: $255.72M

#2475 of 2664 Bottom 7.1% in $100M-$1B

2472

Total Deposits

size

Value: $105.50M

Peer Median: $327.97M

#2472 of 2664 Bottom 7.2% in $100M-$1B

2456

Total Assets

size

Value: $126.41M

Peer Median: $386.08M

#2456 of 2664 Bottom 7.8% in $100M-$1B