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 First Bank of Berne Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 16, 2026
You can compare First Bank of Berne rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 3.95% and 3-month CD rates at 2.27%. Savings rates are at 0.10% and money market rates are at 0.04%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to First Bank of Berne rates. MonitorBankRates evaluates the financial stability of First Bank of Berne with a 4.5 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 12.22%. Rates were last updated on 05/16/2026. First Bank of Berne money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank of Berne? Share your experience about First Bank of Berne by leaving a review below, or read customer reviews before you decide to use First Bank of Berne. 
Current Rate AvailabilityWe do not have First Bank of Berne rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Bank of Berne is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Bank of Berne rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Bank of Berne's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Bank of Berne
Bank Holding Company
FIRST BERNE FINANCIAL CORP
Address
222 Heritage Trl,
Berne, IN 46711 · Adams
Website
https://www.firstbankofberne.com
FDIC Certificate #
9288
Established
10/21/1891
FDIC Insurance Date
01/01/1934
Domestic Offices
7
Total Branches
7
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 89/100
4.5
Excellent
Out of 5.0 Stars
12.22%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.3518%
Return on Equity (ROE)
32.9100%
Non-Performing Loans (NPL)
0.39%
Total Assets
$1,092,796,000
Total Deposits
$969,584,000
Equity Capital
$70,819,000
Net Income
$20,129,000
Headquarters
Berne
Total Offices
7
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsJames
April 29, 2026
Very helpful folks working at the Bank, for both in-person and at-home assistance. I did not give a 5 Star rating because I feel the CD rate is too low and the loan rate is too high; I do go elsewhere for both.
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Frequently Asked Questions About First Bank of BerneHow many branches does First Bank of Berne operate?First Bank of Berne currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Bank of Berne does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Bank of Berne provides members with tools to manage their accounts and build a solid financial history. Does First Bank of Berne offer online and mobile banking?Most modern institutions like First Bank of Berne provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstbankofberne.com. Compare to Other Banks
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