BlastPoint's Banking Scorecard
First Bank of Berne
Community
Specialty: Agricultural
IN
FDIC cert 9288
Berne, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
First Bank of Berne has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Deposit Outflow: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-0.7% YoY
+1.1% QoQ
|
-$298.7M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$777.4M
+0.6% YoY
+0.5% QoQ
|
-$198.1M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$969.6M
-2.5% YoY
+0.9% QoQ
|
-$195.0M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.84%
+32.5% YoY
+4.0% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.39%
+18.7% YoY
+2.5% QoQ
|
-0.28% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
51.45%
-8.4% YoY
-1.3% QoQ
|
-11.19% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.70%
+6.1% YoY
-20.8% QoQ
|
+0.07% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
80.18%
+3.1% YoY
-0.4% QoQ
|
-2.89% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
15.44%
-6.4% YoY
-4.7% QoQ
|
-5.61% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.50%
+7.5% YoY
-21.3% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.93%
+6.8% YoY
+1.3% QoQ
|
+1.68% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.59%
+0.5% YoY
+40.1% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#82 of 371 · Top 22% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.84%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Risk Growth
risk
#4 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#70 of 248 · Bottom 28% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
81
81th pctile
Efficiency Ratio
Current: 51.45% · Tier avg: 62.63%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.18% · Tier avg: 83.06%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
57
57th pctile
Total Deposits
Current: $969.6M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $777.4M · Tier avg: $975.5M
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
46
46th pctile
Tier 1 Capital Ratio
Current: 11.93% · Tier avg: 10.24%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
36
36th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.44% · Tier avg: 21.05%
Top Weaknesses
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.44% · Tier avg: 21.05%
36
36th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.93% · Tier avg: 10.24%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $777.4M · Tier avg: $975.5M
57
57th pctile
Total Deposits
Current: $969.6M · Tier avg: $1.2B
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.18% · Tier avg: 83.06%
81
81th pctile
Efficiency Ratio
Current: 51.45% · Tier avg: 62.63%
88
88th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%