First Bank of Berne: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged up by 1.4%, from $4.4M to $4.5M, the largest move among the key lines here. First Bank of Berne ranks 44th of 87 Indiana banks on net interest margin, in the lower half at 3.67% (Q2 2026). At 3.67%, First Bank of Berne's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.26% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.2M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.41% | 1.94% | 2.54% | 5.31% | 2.44% |
| Q4 2023 | 4.55% | 2.03% | 2.60% | 5.45% | 2.47% |
| Q1 2024 | 4.59% | 2.14% | 2.53% | 5.52% | 2.49% |
| Q2 2024 | 4.79% | 2.22% | 2.67% | 5.69% | 2.52% |
| Q3 2024 | 4.90% | 2.27% | 2.71% | 5.85% | 2.55% |
| Q4 2024 | 4.93% | 2.06% | 2.95% | 5.82% | 2.58% |
| Q1 2025 | 4.91% | 1.91% | 3.08% | 5.80% | 2.59% |
| Q2 2025 | 4.98% | 2.00% | 3.07% | 5.91% | 2.61% |
| Q3 2025 | 5.16% | 2.02% | 3.23% | 6.14% | 2.62% |
| Q4 2025 | 5.20% | 1.88% | 3.43% | 6.20% | 2.64% |
| Q1 2026 | 5.25% | 1.71% | 3.62% | 6.26% | 2.70% |
| Q2 2026 | 5.31% | 1.74% | 3.67% | 6.26% | 2.79% |
First Bank of Berne yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Berne, freeSource: Call Report Schedules RI and RC-K, 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)