The Security State Bank vs The State Bank Of Bern
Comparing a Bank in Wellington, KS with a Bank in Bern, KS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Security State Bank ↗ Bank · Wellington, KS · Est. 1897 | The State Bank Of Bern ↗ Bank · Bern, KS · Est. 1889 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Wellington, KS | Bern, KS |
| Total assets | $55.3M | $126.4M |
| Capital ratio | 12.9% | 16.1% |
| Return on assets | 1.2% | 1.6% |
| Deposits | $48.0M | $105.5M |
| Branches | 1 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 186 | #3 of 186 |
| Established | 1897 | 1889 |
The Security State Bank
- Assets: $55.3M
- Deposits: $48.0M
- Capital ratio: 12.9%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 186
The State Bank Of Bern
- Assets: $126.4M
- Deposits: $105.5M
- Capital ratio: 16.1%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #3 of 186
Are both institutions federally insured?
Yes. The Security State Bank is FDIC-insured and The State Bank Of Bern is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Security State Bank or The State Bank Of Bern?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Security State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Security State Bank safe?
Yes — The Security State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The State Bank Of Bern safe?
Yes — The State Bank Of Bern is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Security State Bank vs The State Bank Of Bern?
The Security State Bank has a capital ratio of 12.9%, placing it in the top 42% of <$100M peers. The State Bank Of Bern's ratio is 16.1%, placing it in the top 8% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Security State Bank have compared to The State Bank Of Bern?
The CFPB database shows 0 complaints against The Security State Bank, and 0 complaints against The State Bank Of Bern. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Security State Bank with other Banks in Kansas
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
