First Bank of Berne
First Bank of Berne is an FDIC-insured commercial bank. Total assets stand at $1.1B. Profitability is strong — 2.11% ROA, paired with 32.52% ROE and a 3.62% net interest margin. Capital cushions are healthy: 12.39% CET1, 9.85% Tier 1 leverage. Credit metrics are in line with industry norms — 0.51% NPL ratio. It operates 7 branches, primarily in Indiana.
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
- FED
- Fed District
- 9
- Established
- October 21, 1891
- Branches
- 7 domestic
- Employees (FTE)
- 107
- FDIC Cert
- 9288
- Fed RSSD
- 312244
- Website
- www.firstbankofberne.com →
- Parent Holding Company
- FIRST BERNE FINANCIAL CORPORATION (RSSD 1133008)
Capital & Liquidity
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First Bank of Berne rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Similar banks
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Frequently asked about First Bank of Berne
What are First Bank of Berne's total assets?
As of the Q1 2026 filing, First Bank of Berne reported total assets of $1.08 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank of Berne headquartered?
First Bank of Berne is headquartered in BERNE, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Bank of Berne founded?
First Bank of Berne was established in 1891, per the FDIC institution directory.
Is First Bank of Berne FDIC-insured?
Yes. First Bank of Berne 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bank of Berne's CET1 capital ratio?
First Bank of Berne reported a Common Equity Tier 1 (CET1) capital ratio of 12.39% in its most recent quarterly filing — above regulatory minimums.
How many branches does First Bank of Berne operate?
First Bank of Berne operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Bank of Berne's Texas Ratio?
First Bank of Berne's Texas Ratio is 5.27% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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