First Bank of Berne
Berne, IN
IDRSSD: 312244
Total Assets
$1.08B
Latest filing
Total Deposits
$969.66M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Bank of Berne
222 Heritage Trl
Berne, IN 46711
Full Service - Brick and Mortar
Updated 04/10/2026Established 10/21/1891FDIC Certificate 5943
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Bank of Berne (Main) | 222 Heritage Trl | Berne, IN |
| BERNE BRANCH | 1105 Us Highway 27 N | Berne, IN |
| DECATUR BRANCH | 1111 S 13th St | Decatur, IN |
| BLUFFTON BRANCH | 404 N Main St | Bluffton, IN |
| PORTLAND BRANCH | 185 Industrial Dr | Portland, IN |
| PERU BRANCH | 915 W Main St | Peru, IN |
| VAN WERT, OH BRANCH | 102 Christopher Xing | Van Wert, OH |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 10/21/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46711 |
| State and County Number | 18001 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Decatur, IN |
Operational Info
| Number of Employees | 107 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstbankofberne.com |
| Data Updated | 04/10/2026 |
| CERT | 9288 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.08B |
| Total Deposits | $969.66M |
| Total Liabilities | $1.01B |
| Total Equity Capital | $70.86M |
| Net Income | $5.76M |
| Net Loans and Leases | $760.51M |
| Assets Per Employee ($Millions) | $10.08M |
| Bank Premises and Fixed Assets | $9.24M |
| Cash and Balances due from Depository Institutions | $38.63M |
| Deposits Held in Domestic Offices | $969.66M |
Key Performance Ratios
| Return on Assets (ROA) | 2.12% |
| Return on Equity (ROE) | 32.52% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 47.59% |
| Tier 1 Risk-Based Capital Ratio | 12.388% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.573% |
| Earning Assets to total Assets | 95.37% |
Income and Expense
| Total Interest Income | $14.27M |
| Total Noninterest Income | $1.47M |
| Total Interest Expense | $4.44M |
| Total Noninterest Expense | $5.38M |
| Net Interest Income | $9.83M |
| Pre-tax Net Operating Income | $5.76M |
| Provision for Credit Losses | $163.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $356.00k |
| Other borrowed funds | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.47M |
| All Other Liabilities | $5.10M |
| Total Liabilities and Capital | $1.08B |
Securities
| Securities | $237.90M |
| Available-for-sale debt securities | $237.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank of Berne?
$1.08B as of the latest filing.
How much are First Bank of Berne's total deposits?
$969.66M in total deposits.
Where is First Bank of Berne located?
Berne, IN.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
7.
When was it established?
10/21/1891.
What is the Return on Assets (ROA)?
2.12%.
How much are total loans and leases?
$760.51M (latest filing).
What is the total interest income (latest filing)?
$14.27M.