Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST BANK OF BERNE

FDIC #9288 · IN · period 20260630

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Total assets1,008,275-3.51% YoY

Total deposits871,497-9.41% YoY

Net loans and leases624,690-10.04% YoY

Return on assets2.02%+2.85% YoY

Return on equity22.32%-31.24% YoY

Net interest margin3.22%-1.11% YoY

Peer position

Return on assets90thstrength · n=902

Return on equity98thstrength · n=894

Net interest margin58thin line · n=902

Equity to assets3rdopportunity · n=894

Noncurrent loans54thin line · n=887

Liquid assets62ndin line · n=895

Brokered deposits47thin line · n=890

Loans to deposits65thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2021-09-30	1,008,275	871,497	624,690	2.02	22.32	3.22
2021-12-31	1,083,278	939,938	642,131	1.96	22.04	3.19
2022-03-31	1,071,458	954,316	646,828	1.94	25.75	3.13
2022-06-30	1,060,686	970,578	671,966	1.96	29.32	3.22
2022-09-30	1,044,970	962,013	694,401	1.96	32.46	3.26
2022-12-31	1,045,354	963,839	700,911	1.93	34.13	3.26
2023-03-31	1,034,594	950,266	690,966	1.35	30.73	2.82
2023-06-30	1,055,479	945,103	714,468	1.39	32.09	2.80
2023-09-30	1,040,260	911,957	725,923	1.35	32.91	2.77
2023-12-31	1,067,427	920,605	735,678	1.31	31.07	2.76
2024-03-31	1,073,639	925,079	740,158	1.19	26.36	2.67
2024-06-30	1,096,386	942,429	749,608	1.30	28.24	2.74
2024-09-30	1,127,939	960,312	768,863	1.34	27.62	2.76
2024-12-31	1,100,701	994,307	772,891	1.39	28.79	2.85
2025-03-31	1,065,456	953,643	766,007	1.58	30.91	3.24
2025-06-30	1,122,586	1,008,625	767,092	1.73	33.13	3.23
2025-09-30	1,081,330	961,014	773,883	1.77	32.45	3.30
2025-12-31	1,092,796	969,584	777,372	1.84	32.52	3.39
2026-03-31	1,078,099	969,664	760,506	2.12	32.52	3.80
2026-06-30	1,087,178	973,234	784,496	2.07	31.19	3.83

Structure and branch footprint

7 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-04-01	1	637497	312244
2012-02-18	1	206875	312244

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.