First Bank of Berne: how it compares with its peers
Against 25 IN banks with half to twice its assets, First Bank of Berne's strongest measure in Q2 2026 is assets per employee ($10.5M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.83% vs. 3.75%).
| Measure | First Bank of Berne | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.07% | 1.06% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.75% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.28% | 65.46% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $6.5M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.61% | 85.54% | Context |
What it means for lending operations
Its efficiency ratio of 47.28% is better than the 65.46% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Jackson County Bank Seymour, IN · $1.11B
- Community First Bank of Indiana Kokomo, IN · $980M
- Greenfield Banking Company Greenfield, IN · $930M
- State Bank Brownsburg, IN · $916M
- Citizens State Bank of New Castle, Indiana New Castle, IN · $909M
Questions about First Bank of Berne
How big is First Bank of Berne?
First Bank of Berne, established in 1891, is headquartered in Berne, IN. It reported $1.09B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is First Bank of Berne's return on assets?
2.07% annualized in Q2 2026, against a 1.06% median for 25 IN banks with half to twice its assets, ahead of 96% of them.
What is First Bank of Berne's efficiency ratio?
47.28% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 65.46%, and lower is better.
Is First Bank of Berne growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits shrank 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.