$1.08B
+1.2%y/y
Percentile by value11th percentileby value
FDIC
ASSETFB
First Bank of Berne
Berne, IndianaFDIC Cert #9288
STATEEstablished 18917 branches
Holding company: FIRST BERNE FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Bank of Berne reported $1.08B in total assets. Deposits grew 1.68% over the prior year.
Return on assets was 2.12%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.85%.
- Why is Total Assets below asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$970M
+1.7%y/y
Percentile by value18th percentileby value
FDIC
DEP$761M
−0.7%y/y
Percentile by value15th percentileby value
FDIC
LNLSNET2.12%
+54 bpsy/y
Peer standing92nd percentile
FDIC
NETINC + ROA47.59%
−829 bpsy/y
Peer standing86th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.85%
+58 bpsy/y
Peer standing33rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $976M | $838M |
| Q3 2021 | $1.01B | $871M |
| Q4 2021 | $1.08B | $940M |
| Q1 2022 | $1.07B | $954M |
| Q2 2022 | $1.06B | $971M |
| Q3 2022 | $1.04B | $962M |
| Q4 2022 | $1.05B | $964M |
| Q1 2023 | $1.03B | $950M |
| Q2 2023 | $1.06B | $945M |
| Q3 2023 | $1.04B | $912M |
| Q4 2023 | $1.07B | $921M |
| Q1 2024 | $1.07B | $925M |
| Q2 2024 | $1.1B | $942M |
| Q3 2024 | $1.13B | $960M |
| Q4 2024 | $1.1B | $994M |
| Q1 2025 | $1.07B | $954M |
| Q2 2025 | $1.12B | $1.01B |
| Q3 2025 | $1.08B | $961M |
| Q4 2025 | $1.09B | $970M |
| Q1 2026 | $1.08B | $970M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $57.5M |
| Investor CRE | $26.4M |
| Multifamily | $48.5M |
| Construction | $15.5M |
| 1–4 family | $207M |
| C&I | $41M |
| Agriculture | $361M |
| Other | $14.3M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.12%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE32.52%98th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.80%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.59%86th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+1.68%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−0.72%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.51%51st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.85%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.16%78th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC76%9th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.12%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.05%90th 1.83%Observations 91
ROE
FDIC
NETINC + ROE32.52%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.78%Median 11.48%90th 18.46%Observations 91
NIM
FDIC
NIM + NIMY3.80%62nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.84%Median 3.58%90th 4.41%Observations 91
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.59%89th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.36%Median 66.91%90th 86.14%Observations 91
Deposits YoY
FDIC
DEP+1.68%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.95%Median +4.02%90th +13.36%Observations 89
Loans YoY
FDIC
LNLSNET−0.72%10th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.85%Median +6.73%90th +14.99%Observations 87
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.51%57th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.57%90th 1.99%Observations 87
Leverage
FDIC
RBC1AAJ9.85%36th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.59%Median 10.27%90th 15.60%Observations 91
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.16%63rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.65%Median 2.44%90th 3.22%Observations 90
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC76%27th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 148%90th 270%Observations 56
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.12%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 0.98%90th 1.91%Observations 7
ROE
FDIC
NETINC + ROE32.52%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.29%Median 11.65%90th 23.69%Observations 7
NIM
FDIC
NIM + NIMY3.80%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.21%Median 3.49%90th 3.86%Observations 7
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.59%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.28%Median 66.91%90th 77.10%Observations 7
Deposits YoY
FDIC
DEP+1.68%67th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.71%Median +1.53%90th +8.22%Observations 7
Loans YoY
FDIC
LNLSNET−0.72%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +2.67%90th +7.17%Observations 7
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.51%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.54%Median 0.60%90th 1.18%Observations 7
Leverage
FDIC
RBC1AAJ9.85%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.98%Median 10.03%90th 11.11%Observations 7
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.16%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.16%90th 3.75%Observations 7
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC76%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 75%Median 267%90th 288%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Berne, IN
FDIC
OFFDOMOpen the Indiana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data