First Bank of Berne: In-depth Overview of the Bank

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Overview of the First Bank of Berne

The First Bank of Berne is a mid-sized bank that was established in 1891 in the community of Berne, which is located in the state of Indiana. It is a community bank and as of December 2021 had assets of $1,083 million which ranks it in the 80th percentile of banks in the United States. While the bank has many of the traditional banking services available to its customers, it does have a particular focus on Agribusiness. Based on regulatory data, 50% of First Bank of Berne’s loan portfolio as of the end of 2021 consisted of Farm and Farmland loans. The bank operates domestically with 7 branches and 109 employees.

First Bank of Berne Services

First Bank of Berne has an extensive list of products and services for its customers, including but not limited to the following:

  • Checking Accounts – the bank offers customers 4 different options for opening checking accounts at the bank:
    1. Free Checking – there’s a minimum of $25 to open the account, but beyond that there is no minimum balance required and no monthly maintenance fee.
    2. Free Checking with Interest – this account has all the features of the Free Checking account but will earn interest if customers set up one of the following: a monthly direct deposit, automatic monthly payments to a loan from the bank, deposit of CD interest, automatic fund transfer to a savings account with the bank
    3. Classic Checking – this account is only open to customers who are 62 years of age or older. It has no minimum balance, no monthly maintenance fee and offers customers free basic checks.
    4. High Performance Checking – you will need to maintain a balance of $2,500 or more or pay an $8 monthly fee for this account. Account holders will also be able to earn higher rates of interest based on three tiers linked to the total account balance.
  • Regular Statement Savings – this account requires you maintain a $200 minimum balance otherwise there is a $2 monthly fee (this is waived for minors) for keeping the account open. Account holders get 8 free over the counter withdrawals.
  • Home Loans (Fixed Rate and Adjustable Rate)
  • Personal Loans – auto, secured and unsecured loans.
  • Simply Rewards Visa Credit Card – offers 3x points on select grocery stores, discount stores, gas stations, restaurants and fast food, and 1x points on other purchases. You can learn more about the card here.
  • Agribusiness Loans – Equipment and Operating loans and several other products and services are available for farm-related businesses

For its traditional banking products the bank has an mobile application (First Bank of Berne Mobile) and also online banking and bill pay.

Contact Information For First Bank of Berne

  • Main Office Address: 222 Heritage Trail, Berne, IN 46711
  • Website: https://www.firstbankofberne.com/
  • First Bank of Berne Routing Number: 74905474
  • Total Number of Branches: 7
  • Total Number of International Branches: None
  • Number of Employees: 109
  • FDIC Certificate Number: 9288
  • FDIC Community Bank: Yes
  • FDIC Field Office: Indianapolis
  • Independent or Subsidiary Bank: Independent
  • Federal Reserve ID Number: 312244
  • Bank Charter Class: SM
  • Primary Regulator: FED

First Bank of Berne Branch Location and Hours

Berne Branch

  • Branch Address: 1105 North U.S. Hwy 27, Berne, IN 46711
  • Branch Phone: (260) 589-2670 / (800) 589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

Bluffton Branch

  • Branch Address: 404 N. Main Street · Bluffton, IN 46714
  • Branch Phone: (260) 824-9982 / (800) 589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

Decatur Branch

  • Branch Address: 1111 S. 13th Street, Decatur, IN 46733
  • Branch Phone: (260) 728-2727 / (800) 589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

Kokomo Branch

  • Branch Address: 1936 South Dixon Road, Kokomo, IN, 46902
  • Branch Phone: (765) 459-4171 / Toll Free 800-589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

Peru Branch

  • Branch Address: 915 W. Main St.· Peru, IN, 46970
  • Branch Phone: (765) 472-1991 / Toll Free 800-589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

Portland Branch

  • Branch Address: 185 Industrial Drive, Portland, IN 47371 
  • Branch Phone: (260) 726-2133 / (800) 589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

Van Wert Branch

  • Branch Address: 102 Christopher Crossing, Van Wert, OH 45891 
  • Branch Phone: (419) 232-2222 / (800) 589-7848
  • Branch Hours: Monday – Friday: 12:00 p.m – 5:00 p.m

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