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First Bank Of Berne
Berne, IN · FDIC Certificate #9288 · Chartered 10/2
Total assets
$1.09B
Total deposits
$973.23M
Total equity
$74.59M
Net loans
$784.50M
Branches (offices)
7
Net income (YTD)
$11.24M
Rank: #963 of 4,213 U.S. banks by assets · #20 of 87 in Indiana. Assets changed -3.2% and deposits -3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.07% |
| Return on equity | 31.19% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 6.86% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 40.0% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 80.6% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $708.38M | 90.3% | |
| Commercial & industrial | $42.26M | 5.4% | |
| Consumer / individual | $3.29M | 0.4% | |
| Construction & development | $21.30M | 2.7% | |
| Agricultural | $30.52M | 3.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.06B | $970.58M | $10.51M | $53.05M |
| Jun 2023 | $1.06B | $945.10M | $7.29M | $45.01M |
| Jun 2024 | $1.10B | $942.43M | $7.00M | $51.59M |
| Jun 2025 | $1.12B | $1.01B | $9.49M | $60.97M |
| Jun 2026 | $1.09B | $973.23M | $11.24M | $74.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $921.37M | 6 |
| Ohio | $51.86M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $973.24M.
Similar-sized banks
Winchester Savings Bank ($1.09B) · Partners Bank Of New England ($1.09B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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