STATE BANK OF FAIRMONT

FAIRMONT, MN | Small | Est. June 1, 1917, midnight | FDIC #8541 | RSSD #723158 | FDIC
Latest Report: 2025-12-31

STATE BANK OF FAIRMONT is asn small FDIC-insured commercial bank headquartered in FAIRMONT, MN, established in June 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $142M and total deposits of $127M. Profitability stands at -1.67% ROA and -16.68% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 14.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.96% and a Texas Ratio of 6.38%. FDIC Certificate #8541.

Assets

$142M

Deposits

$127M

Loans

$105M

Equity

$14M

Profitability

Return on Assets (ROA) -1.67%
Return on Equity (ROE) -16.68%
Net Interest Margin (NIM) 4.36%
Yield on Assets 6.66%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 0.96%
Net Charge-Off Ratio 0.24%
Texas Ratio 6.38%
NPA Ratio 0.72%
ACL / Loans 1.78%

Capital & Liquidity

CET1 Ratio 14.92%
Tier 1 Capital 14.92%
Total Capital Ratio 16.18%
Leverage Ratio 10.82%
Loan-to-Deposit 82.79%

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