BlastPoint's Banking Scorecard

First Bank of Berne

$1B-$10B Specialty: Agricultural IN FDIC cert 9288

Designations: ✓ Community bank

Berne, IN

7 branches across IN · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits -3.5% year over year ($973.2M on the books).
Delinquency rate 0.48%.
Return on assets 2.07%.
Efficiency ratio 47.28% vs a 59.73% peer average.
Loan-to-deposit ratio 80.61% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

First Bank of Berne has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 29.7% in tier
+ Efficiency Ratio 12.45% below tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 22.1% in tier

Get updates when First Bank of Berne releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$1.1B -3.2% YoY +0.8% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Bottom 9.3% in tier
Total Loans ?	$784.5M +2.3% YoY +3.2% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Bottom 13.0% in tier
Total Deposits ?	$973.2M -3.5% YoY +0.4% QoQ	-$1.3B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Bottom 13.4% in tier
Return on Assets ?	2.07% +19.6% YoY -2.5% QoQ	+0.68%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	Top 9.9% in tier
Net Interest Margin ?	3.83% +18.5% YoY +0.9% QoQ	-0.04%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	47.28% -11.9% YoY -0.7% QoQ	-12.45%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.48% -42.7% YoY -7.3% QoQ	-0.39%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	80.61% +6.0% YoY +2.8% QoQ	-4.43%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	14.70% -2.4% YoY -4.6% QoQ	-6.58%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.38% -33.8% YoY -4.8% QoQ	-0.30%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	12.23% +5.3% YoY -1.3% QoQ	-2.62%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.28% +4.0% YoY +103.1% QoQ	-0.25%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	14.7% -0.4pp YoY -0.7pp QoQ	-6.7pp	21.4%	16.8%	22.2%	26%
Brokered Deposits	2.1% -2.2pp YoY -0.1pp QoQ	-7.3pp	9.5%	7.2%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	5.4% -1.3pp YoY 0.0pp QoQ	-8.6pp	14.0%	11.1%	12.5%	20%
CRE	20.3% +0.9pp YoY +0.9pp QoQ	-29.7pp	50.0%	36.2%	41.4%	4%
1-4 Family	27.1% +2.2pp YoY -0.1pp QoQ	+0.6pp	26.4%	40.0%	31.3%	60%
Consumer	0.4% -0.1pp YoY 0.0pp QoQ	-4.3pp	4.7%	3.2%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	12.2% +0.6pp YoY -0.2pp QoQ	-3.4pp	15.6%	17.5%	19.7%	28%
Leverage Ratio	9.9% +0.7pp YoY +0.1pp QoQ	-1.4pp	11.3%	13.0%	12.6%	34%
Total Capital Ratio	13.4% +0.6pp YoY -0.2pp QoQ	-3.3pp	16.7%	18.7%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	104 -7 (-6.3%) YoY -3 (-2.8%) QoQ	-210	313	237	482	8%
Assets per Employee ($)	$10.5M +3.4% YoY +3.8% QoQ	-$28K	$10.5M	$7.5M	$8.8M	69%
Branch Count	7 0 YoY 0 QoQ	-13	20	17	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.5% -0.4pp YoY 0.0pp QoQ	-0.4pp	0.8%	0.8%	1.0%	46%
Allowance Coverage	2.85x +68.7% YoY +4.4% QoQ	-15.86x	18.71x	6.71x	20.23x	61%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	31.2% -1.9pp YoY -1.3pp QoQ	+18.6pp	12.6%	11.2%	11.6%	98%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.8%	1.7%	38%
Net Income ($, YTD)	$11.2M +18.5% YoY — QoQ	-$8.0M	$19.2M	$16.3M	$40.4M	45%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#67 of 222 • Top 29.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.07%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#30 of 131 • Bottom 22.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Return on Assets

profitability

Value: 2.07%

Peer Median: 1.39%

#89 of 885 Top 9.9% in $1B-$10B

149

Efficiency Ratio

profitability

Value: 47.28%

Peer Median: 59.73%

#149 of 885 Top 16.7% in $1B-$10B

Top Weaknesses (3 metrics)

804

Total Assets

size

Value: $1.09B

Peer Median: $2.79B

#804 of 885 Bottom 9.3% in $1B-$10B

771

Total Loans

size

Value: $784.50M

Peer Median: $1.96B

#771 of 885 Bottom 13.0% in $1B-$10B

767

Total Deposits

size

Value: $973.23M

Peer Median: $2.32B

#767 of 885 Bottom 13.4% in $1B-$10B