# STATE BANK OF BERN
BERN, KS · FDIC certificate 10919 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $128.2M | |
| Deposits | $106.7M | |
| Loans and leases | $69.5M | |
| Total equity | $21.1M | |
| Loans / deposits | 64.26% (p36 of band) | 73.59% |
| Liquid assets / assets | 44.59% (p71 of band) | |
| Uninsured deposits / deposits | 23.17% (p62 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.33% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -6.91% (p49 of band) | -6.57% |
| AOCI / equity | -0.79% (p33 of band) | |
| ROA (annualized) | 1.56% (p71 of band) | 1.17% |
| Net interest margin | 3.58% (p32 of band) | 3.93% |
| Efficiency ratio | 44.61% (p7 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 34% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $949,000 (1.37% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 | securities losses >30% of equity | deposits shrinking, assets shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-08 [Louis Jay Fankhauser Obituary Feb 8, 2025 - Popkess Mortuary](https://news.google.com/rss/articles/CBMia0FVX3lxTFB0X2pOS2NsSnlVaDB0bUJ4bUs1eWlzc1pmSW9Zb0NiZEdvc3ZTMG5CVi1Xa1NNTmJPRTdkaVVtSGxaeTJpc0R3bmMzN3JBY01aZlF4aG5sMi1Ea3doWXBjWV9rWGVnczY5TkVj?oc=5) · Popkess Mortuary
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2022-09-06 [Wishing Kansans a Happy Labor Day - U.S. Senator Jerry Moran (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNFF3cHlhdUFfWlVsVDE5N0FoUWVZMVRBcjBpYWgtTnRBdGdhYWF1Tjd3OGZjU2pQR1oweGRWWGVnNzJXOEVfVDBVSGVMNk5YcXoyVngycTB0ZU9pa0tENE9UQ1o1TTlEOU1IY3g5bWt3TlU2MzZFVi1pUkxQUDd0RTJhaEJQU1EtSk9hZFk5NjVNZUJ3c1lVemk3WVk?oc=5) · U.S. Senator Jerry Moran (.gov)
- 2014-01-02 [PS 53 teacher Barbara Esselborn, 38, remembered for her caring nature (with photos) - SILive.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE5qYTVranpDd1hMUVRkdzE4VGE3dk1YZ2JtM3JpYVdvVVFQTC1YbzVlUFlKWjNodlNwN0VIQnRSM0xQb0FaazQ2REFETUl1X24yckI0OG9DeVM2SkJHN3pNREFQTUNBT0ViLXk3cl91enJJSF92RkxzOU9R?oc=5) · SILive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10919 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "10919", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide