BERN BANCSHARES INC is the parent banking group. THE STATE BANK OF BERN is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

BERN BANCSHARES INC

Legal name: BERN BANCSHARES, INC.

1 active bank · $126M combined assets

RSSD ID: 1065190 (FFIEC NIC)

Combined Assets

$126M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE STATE BANK OF BERNBERN, KSSatisfactory$126MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$126M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$106M

Net Income

$500K

ROA (avg)

1.61%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE STATE BANK OF BERN	BERN, KS	FDIC	$126M	100.0%	Satisfactory	May 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.