| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | First Bank of Berne | Bank | 3 | $515.3M | 45.29% |
| 2 | The Farmers & Merchants State Bank | Bank | 4 | $235.9M | 20.73% |
| 3 | First Merchants Bank | Bank | 1 | $124.5M | 10.94% |
| 4 | Three Rivers Federal Credit Union | Credit union | 1 | $81.1M* | 7.13% |
| 5 | Fifth Third Bank, National Association | Bank | 1 | $57.6M | 5.06% |
| 6 | Flagstar Bank, National Association | Bank | 1 | $54.8M | 4.81% |
| 7 | Midwest America Federal Credit Union | Credit union | 1 | $44.5M* | 3.92% |
| 8 | Central Soya Federal Credit Union | Credit union | 1 | $24.1M* | 2.12% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.14B | 8 | 13 | First Bank of Berne | 45.3% | 2,720 |
| 2024 | $1.12B | 9 | 14 | First Bank of Berne | 42.2% | 2,460 |
| 2023 | $1.13B | 9 | 14 | First Bank of Berne | 42.0% | 2,423 |
| 2022 | $1.14B | 9 | 15 | First Bank of Berne | 42.5% | 2,433 |
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