STATE BANK OF FARIBAULT, THE

FARIBAULT, MN | Small | Est. Nov. 14, 1919, midnight | FDIC #1610 | RSSD #46053 | FDIC
Latest Report: 2025-12-31

STATE BANK OF FARIBAULT, THE is asn small FDIC-insured commercial bank headquartered in FARIBAULT, MN, established in Nov. 14, 1919, midnight. As of 2025-12-31, the bank reported total assets of $316M and total deposits of $285M. Profitability stands at 0.37% ROA and 5.50% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 12.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 2.09%. FDIC Certificate #1610.

Assets

$316M

Deposits

$285M

Loans

$178M

Equity

$22M

Profitability

Return on Assets (ROA) 0.37%
Return on Equity (ROE) 5.50%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.57%
Cost of Funds 1.60%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.09%
NPA Ratio 0.17%
ACL / Loans 1.83%

Capital & Liquidity

CET1 Ratio 12.46%
Tier 1 Capital 12.46%
Total Capital Ratio 13.72%
Leverage Ratio 8.96%
Loan-to-Deposit 62.37%

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