First Bank of Berne
Berne, Indiana, Adams County
$1.1B in total assets, the 984th largest of 4,309 US banks and 21st of 89 headquartered in Indiana.
- FDIC certificate
- 9288
- Established
- 1891
- Owned by
- First Berne Financial Corp
- Primary regulator
- FED
- Website
- www.firstbankofberne.com
At a glance
Compared with 16 banks headquartered in Indiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 2% | $3.4B | |
| Loans | $795M | 6% | $2.4B | |
| Deposits | $973M | 12% | $2.9B | |
| Return on assets | 2.00% | 98% | 1.22% | |
| Net interest margin | 3.83% | 56% | 3.52% | |
| Efficiency ratio | 47.3% | 19% | 56.5% | |
| Equity to assets | 6.86% | 2% | 9.81% | |
| Loans to deposits | 82% | 38% | 86% |
Growth
Total assets grew 2.2% a year over the last 5 years and 5.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2012 | Americantrust Federal Savings Bank Peru, IN | $99M |
Where they operate
7 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Adams County, IN | $493M | 50.2% | 1 of 6 |
| Wells County, IN | $212M | 34.2% | 1 of 6 |
| Jay County, IN | $120M | 32.5% | 2 of 5 |
| Miami County, IN | $96M | 12.0% | 2 of 7 |
| Van Wert County, OH | $52M | 6.3% | 7 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (9 to 7, −22.2%). 0 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2021 | Closed Berne | 0 | 1 | −1 | 8 |
| 2022 | Closed Kokomo | 0 | 1 | −1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 42% | 3% | |
| 1-4 family residential | 27% | 22% | |
| Commercial real estate | 11% | 28% | |
| Multifamily | 7% | 12% | |
| Business (C&I) | 5% | 18% | |
| Agricultural | 4% | 2% | |
| Construction and land | 3% | 8% | |
| Consumer | 0% | 3% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 78% | 58% | |
| Noninterest-bearing | 15% | 18% | |
| Time deposits | 7% | 24% |
Brokered deposits are 2.1% of deposits (peers 4.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.47% | 0.59% |
| Net charge-offs, annualized | 0.02% | 0.05% |
| Reserves to loans | 1.34% | 1.30% |
| Leverage ratio | 9.92% | 10.34% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Indiana
Largest competitors in Adams County, IN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-bank-berne-in