The State Bank Of Bern vs Sm
Comparing a Bank in Bern, KS with a Credit Union in Mission, KS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The State Bank Of Bern ↗ Bank · Bern, KS · Est. 1889 | Sm ↗ Credit Union · Mission, KS · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Bern, KS | Mission, KS |
| Total assets | $126.4M | $77.8M |
| Capital ratio | 16.1% | 19.4% |
| Return on assets | 1.6% | 1.3% |
| Deposits | $105.5M | — |
| Branches | 2 | 2,364 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 186 | #2 of 62 |
| Established | 1889 | 1960 |
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
Sm
- Assets: $77.8M
- Members: 2,364
- Capital ratio: 19.4%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 62
Are both institutions federally insured?
Yes. The State Bank Of Bern is FDIC-insured and Sm is NCUA-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 State Bank Of Bern or Sm?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The State Bank Of Bern 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 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 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 Sm safe?
Yes — Sm is NCUA-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 State Bank Of Bern vs Sm?
The State Bank Of Bern has a capital ratio of 16.1%, placing it in the top 8% of $100M–1B peers. Sm's ratio is 19.4%, placing it in the top 24% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The State Bank Of Bern have compared to Sm?
The CFPB database shows 0 complaints against The State Bank Of Bern, and 0 complaints against Sm. 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 State Bank Of Bern with other Banks in Kansas
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
