This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Riley, KS
Health score
85.5
Total assets
$132.0M
Bank
Bern, KS
Health score
91.1
Total assets
$128.2M
Answer first
The Riley State Bank of Riley, Kansas leads on growth; The State Bank of Bern leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The State Bank of Bern
Higher TFS health score
Capitalization
The State Bank of Bern
Higher comparable capital ratio
Profitability
The State Bank of Bern
Higher return on assets
Lending quality
Too close to call
Lower problem-loan measure
Growth
The Riley State Bank of Riley, Kansas
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | The Riley State Bank of Riley, Kansas | The State Bank of Bern |
|---|---|---|
| TFS health score | 85.5/100 | 91.1/100Leads |
| Total assets | $132.0M | $128.2M |
| Total deposits / shares | $115.2M | $106.7M |
| Tier 1 capital ratio | 10.51% | 17.33%Leads |
| Return on assets | 1.48% | 1.56%Leads |
| Return on equity | 14.60%Leads |
The Riley State Bank of Riley, Kansas
4 branches
The State Bank of Bern
2 branches
Both institutions report branches in 1 state: KS.
The Riley State Bank of Riley, Kansas
Unavailable
The State Bank of Bern
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
The Riley State Bank of Riley, Kansas
0 in TFS registry
The State Bank of Bern
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | The Riley State Bank of Riley, Kansas score | The Riley State Bank of Riley, Kansas ROA | The State Bank of Bern score | The State Bank of Bern ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.14% | — | 1.46% |
| 2024-Q4 | — | 1.03% | — | 1.19% |
| 2025-Q1 | — | 1.61% | — | 1.63% |
| 2025-Q2 | — | 1.44% | — | 1.59% |
| 2025-Q3 | — | 1.45% | — | 1.64% |
| 2025-Q4 | — | 1.25% | — | 1.52% |
| 2026-Q1 | 86.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.48% |
| Non-performing loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.00%Leads |
| Efficiency ratio | 57.62% | 44.61%Leads |
| Loan-to-deposit ratio | 76.39% | 64.26% |
| Asset growth (YoY) | 8.58%Leads | 8.06% |
| Deposit / share growth (YoY) | 10.88%Leads | 7.70% |
| Branches | 4 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.62% |
| 91.5/100 |
| 1.61% |
| 2026-Q2 | 85.5/100 | 1.48% | 91.1/100 | 1.56% |