Bank Comparison
First Bank of Berne vs Insbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Bank of Berne | Insbank |
|---|---|---|
| CET1 Ratio | 12.39% | 11.01% |
| Tier 1 Capital Ratio | 12.39% | 11.01% |
| Total Capital Ratio | 13.64% | 12.20% |
| Tier 1 Leverage Ratio | 9.85% | 10.06% |
| Equity / Assets | 6.57% | 9.72% |
Profitability
| Metric | First Bank of Berne | Insbank |
|---|---|---|
| Return on Assets (ROA) | 2.11% | 0.89% |
| Return on Equity (ROE) | 32.52% | 9.07% |
| Net Interest Margin (NIM) | 3.62% | 3.43% |
| Yield on Earning Assets | 5.25% | 6.45% |
| Cost of Funds | 1.76% | 3.26% |
Asset quality
| Metric | First Bank of Berne | Insbank |
|---|---|---|
| Texas Ratio | 5.27% | 1.92% |
| Non-Performing Loan Ratio | 0.51% | 0.23% |
| Non-Performing Asset Ratio | 0.40% | 0.19% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.38% | 1.25% |
Balance sheet
| Metric | First Bank of Berne | Insbank |
|---|---|---|
| Total Assets | $1,078M | $1,077M |
| Total Deposits | $969,664K | $924,426K |
| Total Loans | $771,154K | $895,705K |
| Total Equity | $70,862K | $104,711K |
| Net Income (quarter) | $5,760K | $2,356K |
Liquidity & funding
| Metric | First Bank of Berne | Insbank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.53% | 96.89% |
| Core Deposit Ratio | 98.88% | 96.00% |
| Uninsured Deposit Ratio | 37.75% | — |
Identity
| Metric | First Bank of Berne | Insbank |
|---|---|---|
| Headquarters City | BERNE | NASHVILLE |
| Headquarters State | IN | TN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 107 | 76 |
| Established | Oct. 21, 1891, midnight | Nov. 20, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Bank of Berne profile | View full Insbank profile | Browse all bank comparisons