BanksFIRST BANK OF BERNE

FIRST BANK OF BERNE

BERNE, INLargeEst. Oct. 21, 1891, midnightFDIC #9288RSSD #312244FED
Latest · 2025-12-31

FIRST BANK OF BERNE is an FDIC-insured commercial bank headquartered in BERNE, IN, established in Oct. 21, 1891, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $970M. Profitability stands at 2.06% ROA and 32.58% ROE, with a net interest margin of 3.80%. CET1 capital ratio: 11.93%, well above regulatory minimums. NPL ratio: 0.69% · Texas Ratio: 6.66%. Operates 7 domestic branches.

Assets
$1.1B
Deposits
$970M
Loans
$788M
Equity
$71M

Profitability

Return on Assets (ROA)2.06%
Return on Equity (ROE)32.58%
Net Interest Margin3.80%
Yield on Assets5.76%
Cost of Funds1.95%

Asset Quality

NPL Ratio0.69%
Net Charge-Off Ratio0.09%
Texas Ratio6.66%
NPA Ratio0.50%
ACL / Loans1.34%

Capital & Liquidity

CET1 Ratio11.93%
Tier 1 Capital11.93%
Total Capital Ratio13.15%
Leverage Ratio9.45%
Loan-to-Deposit81.26%

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