BlastPoint's Banking Scorecard

The State Bank of Bern

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

Bern, KS

2 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +7.7% year over year ($106.7M on the books).
Delinquency rate 0.00%.
Return on assets 1.56%.
Efficiency ratio 44.61% vs a 64.48% peer average.
Loan-to-deposit ratio 64.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (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 27.6% in tier
+ Efficiency Ratio 19.87% below tier average
+ Non-Interest-Bearing Deposit Share 14.39% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.24% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.54% below tier average
- Net Interest Margin 0.40% below tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$128.2M +8.1% YoY +1.4% QoQ	-$258.4M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 7.8% in tier
Total Loans ?	$68.5M +8.6% YoY -0.1% QoQ	-$189.8M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 6.9% in tier
Total Deposits ?	$106.7M +7.7% YoY +1.1% QoQ	-$220.1M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 7.6% in tier
Return on Assets ?	1.56% -1.8% YoY -2.6% QoQ	+0.24%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.58% +0.2% YoY +0.5% QoQ	-0.40%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	44.61% -7.7% YoY +4.4% QoQ	-19.87%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 8.4% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	64.26% +0.9% YoY -1.2% QoQ	-13.69%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	36.42% -4.1% YoY -2.8% QoQ	+14.39%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Top 8.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.33% -1.5% YoY +1.3% QoQ	+1.42%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.03% -21.3% YoY +86.2% QoQ	-0.54%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Bottom 2.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	36.4% -1.6pp YoY -1.1pp QoQ	+14.3pp	22.1%	22.3%	22.2%	92%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	5.5% +2.3pp YoY 0.0pp QoQ	-6.1pp	11.6%	12.6%	12.5%	23%
CRE	n/a	n/a	39.5%	28.8%	41.4%	n/a
1-4 Family	0.7% -1.6pp YoY 0.0pp QoQ	-32.0pp	32.6%	26.7%	31.3%	1%
Consumer	1.9% -1.0pp YoY -0.1pp QoQ	-2.2pp	4.1%	4.6%	5.0%	47%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	17.3% -0.3pp YoY +0.2pp QoQ	+5.2pp	12.2%	12.6%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	13 -1 (-7.1%) YoY 0 QoQ	-46	58	70	482	2%
Assets per Employee ($)	$9.9M +16.4% YoY +1.4% QoQ	+$2.3M	$7.5M	$7.1M	$8.8M	85%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY	-0.2pp	0.1%	0.1%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	9.5% -0.5pp YoY -0.2pp QoQ	-2.7pp	12.2%	14.3%	11.6%	33%
Cost of Funds (YTD)	1.7% 0.0pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	52%
Net Income ($, YTD)	$983,000 +6.2% YoY — QoQ	-$1.6M	$2.6M	$3.7M	$40.4M	26%

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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

#183 of 659 • Top 27.6% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

213

Non-Interest-Bearing Deposit Share

funding

Value: 36.42%

Peer Median: 22.03%

#213 of 2643 Top 8.0% in $100M-$1B

224

Efficiency Ratio

profitability

Value: 44.61%

Peer Median: 64.48%

#224 of 2643 Top 8.4% in $100M-$1B

579

Tier 1 Capital Ratio

capital

Value: 17.33%

Peer Median: 15.91%

#579 of 2643 Top 21.9% in $100M-$1B

600

Loan-to-Deposit Ratio

liquidity

Value: 64.26%

Peer Median: 77.95%

#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (4 metrics)

2584

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2584 of 2643 Bottom 2.3% in $100M-$1B

2462

Total Loans

size

Value: $68.54M

Peer Median: $258.35M

#2462 of 2643 Bottom 6.9% in $100M-$1B

2443

Total Deposits

size

Value: $106.66M

Peer Median: $326.73M

#2443 of 2643 Bottom 7.6% in $100M-$1B

2438

Total Assets

size

Value: $128.20M

Peer Median: $386.57M

#2438 of 2643 Bottom 7.8% in $100M-$1B