Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #9288 · Berne, Indiana · Est. 1891
First Bank of Berne - FDIC Bank Health Profile
A community-scale look at First Bank of Berne's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 1.84%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank of Berne earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.93% Tier 1, profitable at 1.84% ROA, efficient (51% cost ratio).
- #963
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 11.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Bank of Berne's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank of Berne's composite health score
Tier 1 Capital Ratio (11.93%) 28/40
Return on Assets (ROA) (1.84%) 25/25
Texas Ratio (6.69%) 16/20
Efficiency Ratio (51.45%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$970M
Customer-funded liabilities
Net Loans
$777M
Outstanding loan book
Net Income
$20M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank of Berne ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank of Berne's score of 81/100 falls in the highlighted band.
First Bank of Berne's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank of Berne's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.93%
Texas Ratio
6.69%
Equity Capital
$71M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.84%
Return on Equity (ROE)
32.52%
Efficiency Ratio
51.45%
What the numbers say about First Bank of Berne
First Bank of Berne is an FDIC-insured institution (Certificate #9288) headquartered in Berne, Indiana, established in 1891. It holds $1.1B in total assets - 963rd of 4,313 FDIC-insured banks, $970M in customer deposits, and $777M in net loans. Looking at capital strength, Tier 1 stands at 11.93%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.69%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (81/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, First Bank of Berne ranks 20th of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$56M
Interest Income
$6M
Non-Interest Income
$22M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank of Berne reports a Texas Ratio of 6.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank of Berne (FDIC Cert #9288) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is First Bank of Berne's health grade?▼
First Bank of Berne receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Bank of Berne?▼
First Bank of Berne holds $1.1B in total assets and $970M in deposits, ranking 963rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Berne, Indiana.
Is my money safe at First Bank of Berne?▼
Yes, deposits at First Bank of Berne (Certificate #9288) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank of Berne's Tier 1 Capital Ratio?▼
First Bank of Berne has a Tier 1 Capital Ratio of 11.93%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank of Berne?▼
First Bank of Berne has a Texas Ratio of 6.69%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank of Berne?▼
First Bank of Berne has an Efficiency Ratio of 51.45%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank of Berne's profile as a depositor or analyst.
- First Bank of Berne's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank of Berne against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.