First Bank Of Berne (FDIC #9288): Bank Stress & Real-Estate Credit Exposure

First Bank Of Berne (FDIC Cert #9288): bank stress 60/100, elevated, STABLE over 7 days; parent FIRST BERNE FINANCIAL CORP.

First Bank Of Berne (#9288) lends in 5 counties across 2 states; First Bank Of Berne (#9288) reaches 58 ZIP codes: Indiana 4 counties, 44 ZIPs; Ohio 1 county, 14 ZIPs.

First Bank Of Berne (#9288) largest markets: Wells County, IN (17 branches, 17 ZIPs) (#9288), Miami County, IN (14 branches, 14 ZIPs) (#9288), Van Wert County, OH (14 branches, 14 ZIPs) (#9288), Jay County, IN (9 branches, 9 ZIPs) (#9288), Adams County, IN (24 branches, 8 ZIPs) (#9288).

First Bank Of Berne (#9288) reports $1.09 billion in total assets; First Bank Of Berne (#9288) equity $74.6 million (6.9% of First Bank Of Berne (#9288) assets); First Bank Of Berne (#9288) domestic deposits $973.2 million; First Bank Of Berne (#9288) net income $11.2 million; First Bank Of Berne (#9288) return on assets 2.07%; First Bank Of Berne (#9288) return on equity 31.19%; First Bank Of Berne (#9288) net interest income $19.9 million; First Bank Of Berne (#9288) call report June 30, 2026.

First Bank Of Berne (#9288) noncurrent real-estate loans 0.01% of its book; First Bank Of Berne (#9288) residential 0.11%; First Bank Of Berne (#9288) net charge-offs on real estate 0.49%; First Bank Of Berne (#9288) residential charge-offs 0.15%.

First Bank Of Berne (#9288) net interest margin 3.83% against an eight-quarter First Bank Of Berne (#9288) average of 3.30% (First Bank Of Berne (#9288) compression -0.53 points); First Bank Of Berne (#9288) real-estate loans 1.3% of equity; First Bank Of Berne (#9288) non-residential real estate 15.2% of equity; First Bank Of Berne (#9288) rate-exposure score 40/100, First Bank Of Berne (#9288) fixed-rate trap 40/100; First Bank Of Berne (#9288) risk type credit driven; First Bank Of Berne (#9288) rate regime rates elevated, First Bank Of Berne (#9288) snapshot October 19, 2026.

First Bank Of Berne (#9288) stress score moved from 58.4 on June 22, 2026 to 59.9 on October 19, 2026; First Bank Of Berne (#9288) ranged 58.4 to 59.9 over 116 snapshots.

First Bank Of Berne (#9288) alerts: 5 counties; top First Bank Of Berne (#9288) alert scores: Decatur County, IN 37 (moderate); Bluffton County, IN 23 (low); Peru County, IN 23 (low); Portland County, IN 23 (low); Van Wert County, IN 23 (low).