The Fairmount State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Fairmount State Bank of Fairmount, IN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.87% | 3.14% | -4.01% | 8th bottom |
| ROAE | -7.24% | 10.44% | -17.68% | 8th bottom |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 65th above |
| Efficiency Ratio | 56.98% | 76.33% | -19.35% | 75th top |
| PPNR / Avg Assets | 1.90% | 1.40% | +0.50% | 75th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.23% | 5.35% | -0.12% | 50th above |
| Cost of Funds | 1.13% | 1.71% | -0.58% | 72nd above |
| Net Interest Spread | 3.64% | 3.31% | +0.33% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.17% | 1.33% | +2.84% | 6th bottom |
| NPA / Total Assets | 3.26% | 0.71% | +2.55% | 4th bottom |
| NCO / Avg Loans | 1.38% | 0.10% | +1.28% | 2nd bottom |
| ACL / Total Loans | 2.48% | 1.48% | +1.00% | 89th top |
| ACL / NPLs (Coverage) | 59.58% | 866.03% | -806.45% | 24th bottom |
| Texas Ratio | 35.48% | 8.21% | +27.27% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 197.78% | 314.83% | -117.05% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.69% | 17.61% | -5.92% | 35th below |
| Equity / Assets | 12.10% | 16.43% | -4.33% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.10% | 16.18% | -4.08% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.00% | 72.80% | +18.20% | 17th bottom |
| Core Deposit Ratio | 92.46% | 88.21% | +4.25% | 57th above |
| Wholesale Funding Ratio | 1.75% | 5.29% | -3.54% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.09% | 4.31% | -5.40% | 26th below |
| Loan Growth (Y/Y) | 1.32% | 6.73% | -5.41% | 46th below |
| Deposit Growth (Y/Y) | -1.85% | 3.78% | -5.63% | 25th below |
See The Fairmount State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Fairmount State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Fairmount State Bank profile, how to read a UBPR, or how this data updates.