BanksFAIRMOUNT STATE BANK, THE

FAIRMOUNT STATE BANK, THE

FAIRMOUNT, INMicroEst. Dec. 18, 1902, midnightFDIC #1829RSSD #503547FED
Latest · 2025-12-31

FAIRMOUNT STATE BANK, THE is an 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%. CET1 capital ratio: 11.95%, well above regulatory minimums. NPL ratio: 1.23% · Texas Ratio: 7.17%. Operates 1 domestic branch.

Assets
$58M
Deposits
$47M
Loans
$46M
Equity
$7M

Profitability

Return on Assets (ROA)-0.42%
Return on Equity (ROE)-3.53%
Net Interest Margin4.42%
Yield on Assets5.81%
Cost of Funds1.47%

Asset Quality

NPL Ratio1.23%
Net Charge-Off Ratio0.34%
Texas Ratio7.17%
NPA Ratio0.97%
ACL / Loans1.94%

Capital & Liquidity

CET1 Ratio11.95%
Tier 1 Capital11.95%
Total Capital Ratio12.55%
Leverage Ratio11.70%
Loan-to-Deposit96.49%

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