TellerScore

Headquartered in Berne, Indiana, First Bank of Berne is a state-chartered bank (fed member) with $1.1B in total assets and $973.2M in deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1891.

First Bank of Berne has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 22nd. Earnings contributes the most (100/100, 2.07%); capital cushion contributes the least (49/100, 9.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.92%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 80.6% · 40.0% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (65 → 73), mostly because the loan quality component improved by 11 points.

TellerScore
616773Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202462
Q1 202565
Q2 202565
Q3 202565
Q4 202568
Q1 202673
Q2 202673
Tier 1 leverage ratio
5.00%7.46%9.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.90%
Q3 20248.91%
Q4 20248.82%
Q1 20259.27%
Q2 20259.21%
Q3 20259.39%
Q4 20259.45%
Q1 20269.85%
Q2 20269.92%
Noncurrent loans
0.47%0.67%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.74%
Q3 20240.59%
Q4 20240.65%
Q1 20250.75%
Q2 20250.82%
Q3 20250.87%
Q4 20250.69%
Q1 20260.51%
Q2 20260.47%
Return on assets
1.30%1.71%2.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.34%
Q4 20241.39%
Q1 20251.58%
Q2 20251.73%
Q3 20251.77%
Q4 20251.84%
Q1 20262.12%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$1.1B9.92%0.47%2.07%80.6%
Q1 202673$1.1B9.85%0.51%2.12%78.4%
Q4 202568$1.1B9.45%0.69%1.84%80.2%
Q3 202565$1.1B9.39%0.87%1.77%80.5%
Q2 202565$1.1B9.21%0.82%1.73%76.1%
Q1 202565$1.1B9.27%0.75%1.58%80.3%
Q4 202462$1.1B8.82%0.65%1.39%77.7%
Q3 202463$1.1B8.91%0.59%1.34%80.1%
Q2 202461$1.1B8.90%0.74%1.30%79.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.92%
35th
Total risk-based capital13.44%
48th
Problem loans0.47%
53rd
Net charge-offs0.02%
58th
Return on assets2.07%
90th
Net interest margin3.83%
58th
Efficiency ratio47.3%
83rd
Loans to deposits80.6%
66th
Uninsured deposits40.0%
27th
Loan-loss reserves1.34%
74th
Texas ratio4.8%
40th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Jackson County BankBank Seymour, IN53 out of 100, Below average$1.1B8.5%0.55%vs
First Harrison BankBank Corydon, IN75 out of 100, Strong$1.3B11.3%0.72%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
First Bank MidwestBank Frankfort, IN52 out of 100, Below average$1.5B10.9%1.78%vs
Peoples BankBank Munster, IN53 out of 100, Below average$2.0B9.3%1.10%vs
The National Bank of IndianapolisBank Indianapolis, IN66 out of 100, Moderate$3.0B9.3%0.15%vs

Deposit insurance

Is my money safe at First Bank of Berne?

Yes. First Bank of Berne is an FDIC-insured institution (FDIC certificate #9288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.0% of deposits ($389.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.44% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First Bank of Berne lists 7 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bank of Berne reported 516 home-loan applications under HMDA (LEI 549300H3YPB6EJ1RV917): 434 originated ($83,470,000 total), 49 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Bank of Berne
Type
State-chartered bank (Fed member)
FDIC certificate #
9288
RSSD ID
312244
Primary regulator
FED
Holding company
First Berne Financial Corp
Established
October 21, 1891
Headquarters
222 Heritage Trl, Berne, IN 46711
Employees
104

Quick answers

First Bank of Berne: common questions

Is First Bank of Berne FDIC insured?

Yes. First Bank of Berne is an FDIC-insured institution (FDIC certificate #9288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank of Berne's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Bank of Berne ever failed?

There is no failure record for FDIC certificate #9288 in the FDIC failed bank list.

How many branches does First Bank of Berne have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Berne

InstitutionScoreAssetsCapitalProblem loansCompare
Crossroads Financial Federal Credit UnionCredit union Portland, IN100 out of 100, Very strong$102.4M15.1%0.05%vs
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
The St. Henry BankBank St. Henry, OH92 out of 100, Very strong$435.6M13.6%0.10%vs
Central Soya Federal Credit UnionCredit union Decatur, IN87 out of 100, Very strong$33.2M18.4%0.19%vs
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs