Side-by-side · Q2 2026 data
First Bank of Berne vs The St. Henry Bank
Metric by metric
| Measure | First Bank of Berne | The St. Henry Bank |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 49 | 86 (stronger) |
| Loan quality | 84 | 97 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 52 | 77 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 70th | 97th |
| Total assets | $1.1B | $435.6M |
| Deposits / shares | $973.2M | $384.5M |
| Capital ratio | 9.92% | 13.61% (stronger) |
| Problem loans | 0.47% | 0.10% (stronger) |
| Net charge-offs | 0.02% | -0.16% (stronger) |
| Return on assets | 2.07% | 2.57% (stronger) |
| Loans ÷ deposits | 80.6% | 63.6% (stronger) |
| Uninsured deposits | 40.0% | 32.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
The St. Henry Bank has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Berne leads on 0 and The St. Henry Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.