☰

Home›
Banks›
First Bank of Berne

iAdvertiser Disclosure

First Bank of Berne Rates & Review April 2026

Q: How 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 14, 2026

You can compare First Bank of Berne rates to other rates in our database, including 12-month CD rates currently at 3.45%, 6-month CD rates at 3.56% and 3-month CD rates at 0.75%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.10%. All these rates can be compared to First Bank of Berne rates. MonitorBankRates evaluates the financial stability of First Bank of Berne with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.22%. Rates were last updated on 04/14/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.22%

Excellent Higher than avg

First Bank of Berne

222 Heritage Trl
Berne, IN 46711

https://www.firstbankofberne.com

Current Rate Availability

We 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 Sources

MonitorBankRates 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 & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional 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 Reviews

There are no reviews for First Bank of Berne yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Bank of Berne

Frequently Asked Questions About First Bank of Berne

Is First Bank of Berne a safe place to deposit money?

Yes, First Bank of Berne is considered a safe financial institution. With a Texas Ratio of 12.222505741261%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How 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.