# FIRST BANK OF BERNE
BERNE, IN · FDIC certificate 9288 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.09B | |
| Deposits | $973.2M | |
| Loans and leases | $795.1M | |
| Total equity | $74.6M | |
| Loans / deposits | 80.61% (p35 of band) | 87.10% |
| Liquid assets / assets | 24.00% (p61 of band) | |
| Uninsured deposits / deposits | 40.01% (p73 of band) | 30.76% |
| Brokered deposits | 1.91% | |
| Wholesale funding | 5.02% (p46 of band) | |
| FHLB advances / assets | 2.76% | |
| Tier 1 leverage | 9.92% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | -46.00% (p3 of band) | -7.75% |
| AOCI / equity | -0.36% (p45 of band) | |
| ROA (annualized) | 2.07% (p90 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 47.28% (p18 of band) | |
| Noncurrent loans | 0.47% (p47 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 284.99% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 28.55% (p29 of band) | |
| Auto loans | $2.0M (0.25% of loans; DQ 2.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | loans exceed deposits |
| 2012-06 | 1 | capital falling | wholesale funding >15% |
| 2012-09 | 2 | wholesale funding >15%, reserve under noncurrent | capital falling |
| 2012-12 | 1 | loans exceed deposits | wholesale funding >15%, reserve under noncurrent |
| 2013-03 | 0 |  | loans exceed deposits |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | loans exceed deposits, wholesale funding >15%, deposits shrinking |  |
| 2013-12 | 2 |  | deposits shrinking |
| 2014-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2014-06 | 1 | loans exceed deposits | capital falling |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | wholesale funding >15% |
| 2016-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 2 | deposits shrinking | uninsured deposits leaving, capital falling |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [First Bank of Berne donates to multiple causes - The Commercial Review](https://news.google.com/rss/articles/CBMivgFBVV95cUxQcXRGQUhJeXMydEI2M19KQXVEYUZDUU1JRml1R0ZWWnlPUHhqamhBcDFUVkdJdGlEdFNhVERncTJJamQ3SVFqazBZdGVKYldGYUcxZW5hTVdXdjRJVEpJQ3Bic0tXYVFBUDZnWFM4MkhsalUtdng2cUs0bkE1SWowVjJNTHR5bkxNcW43QzJzRkZuTEJXMXZWSGk3VWtoUGZEZ1JhLXVRc01XTmVrNXVoNUhFOWhtalByRWxMd2tn?oc=5) · The Commercial Review
- 2026-05-22 [First Bank of Berne Welcomes Taylor Lehman as Human Resources Manager - Building Indiana Business](https://news.google.com/rss/articles/CBMisAFBVV95cUxOVHpkRUVJa24zcm9OMHhVdnc1dE5oaDN1Sm5tamZBUW9rN0JlUkVkeFRzaFJqcWtoZ0w4VkVTMWcxWkM3dW4wSFpPdXl5dFkyMjdwdmxNRWROLWdGXzhuZVNVU3dDZVdKR05YOE5LWFNnZlZ2TWJ5OGs1Z20wR2xNTkZFbTN5VjczSm1WZ0JyVmEtMGEzdTlJbFhLZUVsY011bnlUVFpjcVVqN2pvVHJpRg?oc=5) · Building Indiana Business
- 2026-06-05 [First Bank of Berne donates to United Way of Wells County - Bluffton News-Banner](https://news.google.com/rss/articles/CBMilAFBVV95cUxORmhUUjdvVGFSSHJNbklCaGF6Sk1TakkzSUFxMWhXbEs5Y3dPcXlyZ09lX1cwSFlaWHFoaXp0MHN2WEhHV1BKTmRPQnV2Ym05SFdLUXpBRXVyQVhUdzFPTXRpeS03Smx4QkRyNG9RRmxGdk9sLVFJVjRhR19jUTJHWm11T3RJRmhzOXNTM2hYUjB2NXZ0?oc=5) · Bluffton News-Banner
- 2024-03-20 [First Bank of Berne announces CFO - Inside INdiana Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxOMVhrbUJqdkFWZUZZckpKdzZpd2RBMGtRNVpGUnBpU0RGM0d1WXk0RVR5YkswYmNnY3duVmQyY0NCcUwtY250OVhJNnlJSGRabTFRQkdmWWNHemZnWWRtM202TVY3TkQ2N2pKR3VTZ25hekt3bm41NzdQN29nRnZBdHl6eDluVVE?oc=5) · Inside INdiana Business
- 2026-01-05 [Country legends to perform at NPAC - thevwindependent.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxONjhwN0xZN0pGX1dLMzY0UnB1T056SXpZSzRhc1huWklyQmtVYlc3UWktVGt0b1VHblNzWEU3d1lPNnIwRU9ZanJlRGZDRUNjLWFYNWw5eTlTMFNiTVp2UWp0UUZNOEJKdE9LSlNFZzNWdmpwbEtZZW5RVC1yUWpZWnhRVUszUHM?oc=5) · thevwindependent.com
- 2025-09-04 [Craig Dwight named leader in Banking Excellence - GreatNews.Life](https://news.google.com/rss/articles/CBMifkFVX3lxTE9mTS0xYnJqSmRLWnM5ck1ZOEVUSUN2ZEk3ZEsxeHEyQTVxeWM0UG8tUVFrOXE0RDVDc3h0QTJkcTdUd3VpN0Y2WE1fa3VzeElWb2hrOGlnRGtSY053VUg2UVdvUXI0d0hBOVZ6djJZY19CX0ZoeUQ5WXJTbFpDQQ?oc=5) · GreatNews.Life
- 2012-01-19 [Fredrick H. Liechty Obituary January 19, 2012 - Zwick and Jahn Funeral Homes](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5zemNDdGJnMERtdGdLZ2lRTy04b3lqVVJ5RENNTmFvMnp1MVpRc3VxSWJRMklNelBMTGVlWGN1dF92dE9vWl9UMFlNdERrTTlnVmtfN2dDOA?oc=5) · Zwick and Jahn Funeral Homes
- 2011-12-06 [FBB gives to YMCA - thevwindependent.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFAyS0Z2c3pKZzdGOFhDVFNZcG5HMEh4NjZsS0hWb0tTYUF5eHJLWUk4Y3AyeEQtUDBYTTIxNzNmX0JWUU5Tay1xMkItQVpaNmN5eXNIM1JkckpXdXE4NWR2M2EzdlJFNFNOdXU4S3FDR2g?oc=5) · thevwindependent.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9288 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "9288", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide