First Bank of Berne: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 14.32 percentage points in Q2 2026, from 270.67% to 284.99%. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, First Bank of Berne sits 8th from the top on return on assets, 2.00% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, First Bank of Berne reported 2.00% on return on assets in Q2 2026, 0.72 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 6.86% |
| Tangible equity to tangible assets | 6.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.80% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 284.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 30.15% |
| Net interest margin | 3.67% |
| Efficiency ratio | 46.87% |
| Yield on earning assets | 5.31% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.70% |
| Core deposits to total deposits | 96.84% |
| Brokered deposits to total deposits | 2.13% |
| Deposits to assets | 89.52% |
| Securities to assets | 21.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.97% | 10.97% | 12.18% | 8.90% | 1.26% |
| Q4 2023 | 10.97% | 10.97% | 12.22% | 8.98% | 1.19% |
| Q1 2024 | 11.05% | 11.05% | 12.30% | 8.80% | 1.19% |
| Q2 2024 | 11.15% | 11.15% | 12.40% | 8.90% | 1.40% |
| Q3 2024 | 11.09% | 11.09% | 12.34% | 8.91% | 1.45% |
| Q4 2024 | 11.17% | 11.17% | 12.42% | 8.82% | 1.51% |
| Q1 2025 | 11.43% | 11.43% | 12.68% | 9.27% | 1.58% |
| Q2 2025 | 11.61% | 11.61% | 12.85% | 9.21% | 1.87% |
| Q3 2025 | 11.77% | 11.77% | 13.02% | 9.39% | 1.83% |
| Q4 2025 | 11.93% | 11.93% | 13.15% | 9.45% | 2.02% |
| Q1 2026 | 12.39% | 12.39% | 13.64% | 9.85% | 2.11% |
| Q2 2026 | 12.23% | 12.23% | 13.44% | 9.92% | 2.00% |
First Bank of Berne vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Berne, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)