First Bank of Berne: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 10.64 percentage points in Q2 2026, from 76.86% to 87.49%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, First Bank of Berne is 49th of 87 on loan-to-deposit ratio, 81.70% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bank of Berne sits 6.50 points lower, at 81.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $795.1M |
| Net loans and leases | $784.5M |
| Loans held for sale | $0 |
| Loans to total assets | 73.14% |
| Loan-to-deposit ratio | 81.70% |
| Net loans to equity capital | 10.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.61% |
| Multifamily (5+ residential) | 6.74% |
| Commercial and industrial | 5.31% |
| Consumer | 0.41% |
| Credit cards | 0.00% |
| Farm | 42.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.49% |
| Construction concentration (Tier 1 capital + allowance) | 17.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.26% |
| Interest income on loans | $12.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $736.0M | $912.0M | 10.26% | 5.78% | 0.87% |
| Q4 2023 | $746.2M | $920.6M | 10.14% | 5.36% | 0.79% |
| Q1 2024 | $751.0M | $925.1M | 9.94% | 5.31% | 0.75% |
| Q2 2024 | $760.6M | $942.4M | 9.77% | 5.41% | 0.70% |
| Q3 2024 | $779.7M | $960.3M | 10.75% | 6.30% | 0.66% |
| Q4 2024 | $783.9M | $994.3M | 11.32% | 5.89% | 0.62% |
| Q1 2025 | $777.1M | $953.6M | 11.40% | 6.67% | 0.54% |
| Q2 2025 | $777.9M | $1.01B | 11.94% | 6.61% | 0.51% |
| Q3 2025 | $784.9M | $961.0M | 11.81% | 6.16% | 0.48% |
| Q4 2025 | $787.9M | $969.6M | 11.30% | 5.67% | 0.46% |
| Q1 2026 | $771.2M | $969.7M | 10.88% | 5.31% | 0.46% |
| Q2 2026 | $795.1M | $973.2M | 10.61% | 5.31% | 0.41% |
First Bank of Berne loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Berne, freeSource: Call Report Schedule RC-C, 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)