FTFI (First Berlin Bancorp) Net Loan: $550.72 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FTFI First Berlin Bancorp Inc FTFI
48 GF Score
Price $38.35
GF Value $29.59
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is First Berlin Bancorp Net Loan?

First Berlin Bancorp FTFI 48 Net Loan is $550.72 Mil as of Jun. 2026. GuruFocus rates FTFI with a GF Score™ of 48/100 and a GF Value™ of $29.59 (Modestly Overvalued). The stock has 4 warning signs investors should review.

First Berlin Bancorp's quarterly net loan increased from Dec. 2025 ($559.41 Mil) to Mar. 2026 ($578.29 Mil) but then declined from Mar. 2026 ($578.29 Mil) to Jun. 2026 ($550.72 Mil).

First Berlin Bancorp's annual net loan increased from Dec. 2023 ($451.94 Mil) to Dec. 2024 ($578.29 Mil) and increased from Dec. 2024 ($578.29 Mil) to Dec. 2025 ($550.72 Mil).

First Berlin Bancorp Net Loan Historical Data

* Premium members only.

The historical data trend for First Berlin Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Berlin Bancorp Net Loan Chart

First Berlin Bancorp Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
348.77 422.15 451.94 511.86 559.41

First Berlin Bancorp Quarterly Data
Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 525.31 546.49 559.41 578.29 550.72
FTFI
48GF Score
First Berlin Bancorp Inc FTFI
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Berlin Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $550.72 Mil mean?
First Berlin Bancorp (FTFI) has a Net Loan of $550.72 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on First Berlin Bancorp and its competitors.
Is First Berlin Bancorp's Net Loan too high?
First Berlin Bancorp's current Net Loan is $550.72 Mil. Overall, First Berlin Bancorp has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Berlin Bancorp's Net Loan compare to ORBN and ADKT?
First Berlin Bancorp's Net Loan of $550.72 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on First Berlin Bancorp and its competitors. First Berlin Bancorp's current Net Loan is $550.72 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Berlin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Berlin Bancorp (FTFI) is currently considered Modestly Overvalued. The stock's GF Value™ is $29.59, compared to a current price of $38.35 — trading 29.6% above its estimated fair value. The current Net Loan is $550.72 Mil. First Berlin Bancorp's overall GF Score™ is 48/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For First Berlin Bancorp (FTFI), the current Net Loan is $550.72 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Berlin Bancorp (FTFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Berlin Bancorp stock appears to be overvalued. The current stock price of $38.35 is trading 29.6% above its estimated GF Value™ of $29.59. GuruFocus considers First Berlin Bancorp to be Modestly Overvalued.

Key valuation signals for FTFI:

  • Net Loan: $550.72 Mil
  • GF Value™: $29.59 vs. price of $38.35 (29.6% above fair value)
  • GF Score™: 48/100 with 4 warning signs

No single metric tells the full story. See the FTFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Berlin Bancorp Business Description

Address 140 West Huron Street, Berlin, WI, USA, 54923
First Berlin Bancorp Inc is a state charted bank providing a full range of financial services including the granting of agribusiness, commercial, residential and consumer loans and accepting deposits from customers mainly in Central Wisconsin.
48GF Score

Get the complete analysis for FTFI

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.35
Price
$29.59
GF Value