FAIRMOUNT STATE BANK, THE

FAIRMOUNT, IN | Micro | Est. Dec. 18, 1902, midnight | FDIC #1829 | RSSD #503547 | FED
Latest Report: 2025-12-31

FAIRMOUNT STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in FAIRMOUNT, IN, established in Dec. 18, 1902, midnight. As of 2025-12-31, the bank reported total assets of $58M and total deposits of $47M. Profitability stands at -0.42% ROA and -3.53% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 11.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.23% and a Texas Ratio of 7.17%. FDIC Certificate #1829.

Assets

$58M

Deposits

$47M

Loans

$46M

Equity

$7M

Profitability

Return on Assets (ROA) -0.42%
Return on Equity (ROE) -3.53%
Net Interest Margin (NIM) 4.42%
Yield on Assets 5.81%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 1.23%
Net Charge-Off Ratio 0.34%
Texas Ratio 7.17%
NPA Ratio 0.97%
ACL / Loans 1.94%

Capital & Liquidity

CET1 Ratio 11.95%
Tier 1 Capital 11.95%
Total Capital Ratio 12.55%
Leverage Ratio 11.70%
Loan-to-Deposit 96.49%

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