Abstract
After transition from the Dirac equation to the Schr\"{o}dinger-type relativistic equation with effective potentials of the Schwarzschild and Reissner-Nordstr\"{o}m (RN) fields, the existence of the stationary state of fermions with real square-integrable radial wave functions is proved. The fermions are localized near the event horizon within the range from zero to several fractions or a few units of the Compton wavelength of a fermion as a function of the gravitational and electromagnetic coupling constants and the angular and orbital momenta j,l. Electrically neutral atomic-type systems (Schwarzschild and RN collapsars with fermions in bound states) are proposed as particles of dark matter.
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