First Bank of Berne: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 6.1% from Q1 2026 to Q2 2026, ending at -$34.3M against -$36.6M. It was the largest change among the key lines on this page. Within Indiana, First Bank of Berne is 35th of 50 on CET1 ratio, 12.23% as of Q2 2026, below the middle of the field. First Bank of Berne reported 12.23% on CET1 ratio for Q2 2026, 1.25 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 9.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $108.9M |
| Tier 1 capital | $108.9M |
| Total risk-based capital | $119.7M |
| Total equity capital | $74.6M |
| Risk-weighted assets | $890.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.86% |
| Tangible equity to tangible assets | 6.86% |
| Equity capital to average assets | 6.80% |
| Internal capital growth rate | 8.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $14.1M |
| Retained earnings | $93.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.97% | 10.97% | 12.18% | 8.90% | $849.9M |
| Q4 2023 | 10.97% | 10.97% | 12.22% | 8.98% | $857.5M |
| Q1 2024 | 11.05% | 11.05% | 12.30% | 8.80% | $856.9M |
| Q2 2024 | 11.15% | 11.15% | 12.40% | 8.90% | $864.9M |
| Q3 2024 | 11.09% | 11.09% | 12.34% | 8.91% | $880.3M |
| Q4 2024 | 11.17% | 11.17% | 12.42% | 8.82% | $884.3M |
| Q1 2025 | 11.43% | 11.43% | 12.68% | 9.27% | $879.6M |
| Q2 2025 | 11.61% | 11.61% | 12.85% | 9.21% | $883.5M |
| Q3 2025 | 11.77% | 11.77% | 13.02% | 9.39% | $877.5M |
| Q4 2025 | 11.93% | 11.93% | 13.15% | 9.45% | $878.9M |
| Q1 2026 | 12.39% | 12.39% | 13.64% | 9.85% | $866.9M |
| Q2 2026 | 12.23% | 12.23% | 13.44% | 9.92% | $890.4M |
First Bank of Berne regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Berne, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank of Berne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9288) · FFIEC NIC profile (RSSD 312244)