First Bank of Berne
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Berne is an FDIC-insured commercial bank headquartered in Berne, IN, established in 1891 (FDIC certificate 9288), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.09B, down 3.2% from Q2 2025, the 20th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 12.23% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9288
- Headquarters
- Berne, IN
- Established
- 1891
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- -3.2%
- CET1 ratio, Q2 2026
- 12.23%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074905474
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Berne Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- FIRST BERNE FINANCIAL CORPORATION
- Asset rank in state
- 20th of 87 in Indiana
First Bank of Berne is one of the more profitable banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, down 3.2% from a year earlier; it is based in Berne, Indiana. It returns 30.1% a year on shareholders' equity, 2.4 times the median of 12.7% for the 880 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 0.9 times its capital, about a third the median of 2.2 times for banks its size. Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Paper losses on its bond portfolio are shrinking: unrealized losses of $34 million equal 32% of Tier 1 capital, down from 41% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 2.2% and deposits fell 3.5%.
As of June 30, 2026, First Bank of Berne reported a CET1 capital ratio of 12.23%, a return on assets of 2.00%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 4.80%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, First Bank of Berne is the 20th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $1.09B, loans rose 3.1% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 42.3% of total loans, ahead of 1-4 family residential loans at 26.7%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities across 2 states; its Berne 2 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, First Bank of Berne meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Heritage Trl, Berne, IN 46711
- County
- Adams
- Metro Area
- Decatur, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 21, 1891
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $973.2M
- Allowance for credit losses
- $10.6M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $1.10B
- Average total loans
- $782.7M
- Average interest-bearing deposits
- $857.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9288
- Fed RSSD
- 312244
- Website
- www.firstbankofberne.com →
- Parent Holding Company
- FIRST BERNE FINANCIAL CORPORATION (RSSD 1133008)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bank of Berne's total assets ran between $1.04B (Q3 2023) and $1.13B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.09B total assets against $1.12B; $1.01B total liabilities against $1.06B.
$784.5M net loans and leases against $767.1M; $973.2M total deposits against $1.01B.
$233.2M securities against $238.7M; $27.7M cash and balances due against $76.8M.
$14.5M total interest income against $13.9M; $4.5M total interest expense against $5.4M.
$10.0M net interest income against $8.6M.
$1.5M total noninterest income against $1.5M; $5.4M total noninterest expense against $5.2M.
$0 provision for credit losses against -$315K.
$5.5M net income against $5.2M.
2.00% return on assets against 1.87%; 3.67% net interest margin against 3.07%.
12.23% CET1 capital ratio against 11.61%; 9.92% tier 1 leverage ratio against 9.21%.
Inside the full First Bank of Berne terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank of Berne rankings
Its closest position to the top of a national ranking is 486 of 3,611, for ROA; its furthest is 1,642 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.45% (Q3 2024) to 2.11% (Q1 2026) and its net interest margin ran from 2.71% (Q3 2024) to 3.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.23% | 2.00% | 0.47% | 4.80% | 3.67% |
| Q1 2026 | 12.39% | 2.11% | 0.51% | 5.22% | 3.62% |
| Q4 2025 | 11.93% | 2.02% | 0.69% | 6.69% | 3.43% |
| Q3 2025 | 11.77% | 1.83% | 0.87% | 8.79% | 3.23% |
| Q2 2025 | 11.61% | 1.87% | 0.82% | 8.88% | 3.07% |
| Q1 2025 | 11.43% | 1.58% | 0.75% | 8.36% | 3.08% |
| Q4 2024 | 11.17% | 1.51% | 0.65% | 8.06% | 2.95% |
| Q3 2024 | 11.09% | 1.45% | 0.59% | 6.24% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Berne Branch | Berne , IN | 46711 | $311.6M |
| Bluffton Branch | Bluffton , IN | 46714 | $212.4M |
| Decatur Branch | Decatur , IN | 46733 | $181.8M |
| Portland Branch | Portland , IN | 47371 | $119.6M |
| Peru Branch | Peru , IN | 46970 | $96.0M |
| Van Wert, Oh Branch | Van Wert , OH | 45891 | $51.9M |
| First Bank of Berne (main office) | Berne , IN | 46711 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2020 | Structure Change | Acquired Adams County Credit Union Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2012 | Structure Change | Acquired Americantrust Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- December 1, 1992, Federal Reserve: Written Agreement: First Bank of Berne, Berne, IN
- Period: Most recent institution action December 1, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in IN, rank 31 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 516 applications, 434 loans originated, $83.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank of Berne
What are First Bank of Berne's total assets?
As of the Q2 2026 filing, First Bank of Berne reported total assets of $1.09 billion in its FFIEC call report.
Where is First Bank of Berne headquartered?
It is headquartered in Berne, IN, United States.
When was First Bank of Berne founded?
It was established in 1891, per the FDIC institution directory.
Is First Bank of Berne FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Berne?
First Bank of Berne's primary federal regulator is the Federal Reserve.
What is First Bank of Berne's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.23% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Bank of Berne operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of Berne's Texas Ratio?
Its Texas Ratio is 4.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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