First Bank of Berne: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Berne of Berne, IN against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.00% | 1.46% | +0.54% | 87th top |
| ROAE | 30.15% | 12.68% | +17.47% | 98th top |
| Net Interest Margin | 3.67% | 3.85% | -0.18% | 47th below |
| Efficiency Ratio | 46.87% | 57.40% | -10.53% | 83rd top |
| PPNR / Avg Assets | 2.23% | 1.88% | +0.35% | 80th top |
| Yield on Earning Assets | 5.31% | 5.72% | -0.41% | 36th below |
| Cost of Funds | 1.74% | 2.02% | -0.28% | 67th above |
| Net Interest Spread | 3.21% | 3.18% | +0.03% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.00% | -0.53% | 61st above |
| NPA / Total Assets | 0.38% | 0.76% | -0.38% | 59th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 62nd above |
| ACL / Total Loans | 1.34% | 1.31% | +0.03% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 284.99% | 564.48% | -279.49% | 68th above |
| Texas Ratio | 4.80% | 7.39% | -2.59% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 223.29% | 618.74% | -395.45% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.23% | 17.34% | -5.11% | 29th below |
| Tier 1 Ratio | 12.23% | 17.37% | -5.14% | 28th below |
| Total Capital Ratio | 13.44% | 18.42% | -4.98% | 31st below |
| Leverage Ratio | 9.92% | 11.44% | -1.52% | 34th below |
| Equity / Assets | 6.86% | 11.34% | -4.48% | 2nd bottom |
| TCE / Tangible Assets | 6.86% | 10.50% | -3.64% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.70% | 86.96% | -5.26% | 66th above |
| Core Deposit Ratio | 96.84% | 85.55% | +11.29% | 93rd top |
| Uninsured Deposit Ratio | 40.01% | 33.12% | +6.89% | 27th below |
| Wholesale Funding Ratio | 3.11% | 5.70% | -2.59% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.15% | 9.68% | -12.83% | 6th bottom |
| Loan Growth (Y/Y) | 2.22% | 8.06% | -5.84% | 30th below |
| Deposit Growth (Y/Y) | -3.51% | 7.88% | -11.39% | 7th bottom |
See First Bank of Berne's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Berne, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank of Berne profile, how to read a UBPR, or how this data updates.