The existence of degenerate stationary bound states with square-integrable radial wavefunctions was proven when second-order equations are used with the effective potential of the Reissner–Nordström (RN) field with two event horizons for charged and uncharged fermions. The fermions in such states are localized near event horizons within the ranges from zero to several fractions of Compton wavelength of fermions versus the values of gravitational and electromagnetic coupling constants and the values of angular and orbital momenta j , l . In case of extreme RN fields, the absence of stationary bound states of fermions with the energies of E < mc 2 is shown for solutions of the second-order equation for any value of gravitational and electromagnetic coupling constants. The existence of a discrete energy spectrum is shown for the naked RN singularity, due to the solution of the second-order equation at definite values of physical parameters. The discrete spectrum exists for both charged and uncharged fermions. The naked RN singularity in quantum mechanics with the second-order equation for half-spin particles poses no threat to cosmic censorship, since it is covered with an infinitely large potential barrier. Electrically neutral systems of atomic type (RN collapsars with the definite number of fermions in degenerate bound states) are proposed to consider as particles of dark matter.