First Bank of Berne
Total assets
$1.09B
▼ -3.2% YoY
Deposits
$973.2M
▼ -3.5% YoY
Loans
$784.5M
▲ +2.3% YoY
Offices
7
FIRST BERNE FINANCIAL CORP
ROA (annualized)
2.07%
peers 1.26%
ROE (annualized)
31.19%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Bank of Berne | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +5.5% | -8.6 pts |
| Deposit growth (YoY) | -3.5% | +5.1% | -8.6 pts |
| Loan growth (YoY) | +2.3% | +5.9% | -3.6 pts |
| ROA | 2.07% | 1.26% | +0.8 pts |
| ROE | 31.2% | 12.2% | +19.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
Profile
- Established
- 1891
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST BERNE FINANCIAL CORP
- Specialization
- Agricultural Specialization
- Address
- 222 Heritage Trl, Berne, IN, 46711
- County
- Adams
- Metro area
- Decatur, IN
- Offices
- 7
- FDIC cert #
- 9288
- RSSD ID
- 312244
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $973.2M | $784.5M | $74.6M | $11.2M | 2.07% | 3.83% | 0.38% |
| Q1 2026 | $1.08B | $969.7M | $760.5M | $70.9M | $5.8M | 2.12% | 3.80% | 0.39% |
| Q4 2025 | $1.09B | $969.6M | $777.4M | $70.8M | $20.1M | 1.84% | 3.39% | 0.50% |
| Q3 2025 | $1.08B | $961.0M | $773.9M | $66.9M | $14.5M | 1.77% | 3.30% | 0.63% |
| Q2 2025 | $1.12B | $1.01B | $767.1M | $61.0M | $9.5M | 1.73% | 3.23% | 0.57% |
| Q1 2025 | $1.07B | $953.6M | $766.0M | $58.6M | $4.3M | 1.58% | 3.24% | 0.55% |
| Q4 2024 | $1.10B | $994.3M | $772.9M | $52.2M | $15.2M | 1.39% | 2.85% | 0.46% |
| Q3 2024 | $1.13B | $960.3M | $768.9M | $63.1M | $11.0M | 1.34% | 2.76% | 0.41% |
Loan mix (Q2 2026): real estate $708.4M · commercial $42.3M · consumer $3.3M · securities $233.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Bank of Berne | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 31.2% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.3% | 59.0% | 17th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Bank of Berne | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Bank of Berne | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Bank of Berne | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Bank of Berne | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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