The Fairmount State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 109.38 percentage points lower than in Q1 2026, at 59.58%. On return on assets, The Fairmount State Bank is 2nd from the bottom among 87 Indiana banks, -0.87% (Q2 2026). The Fairmount State Bank's return on assets of -0.87% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.69% |
| Equity capital to assets | 12.10% |
| Tangible equity to tangible assets | 12.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.17% |
| Non-performing assets ratio | 3.26% |
| Net charge-off ratio | 1.38% |
| Texas ratio | 35.48% |
| Allowance for credit losses to loans | 2.48% |
| Reserve coverage of non-performing loans | 59.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.87% |
| Return on equity | -7.24% |
| Net interest margin | 4.23% |
| Efficiency ratio | 56.98% |
| Yield on earning assets | 5.23% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.00% |
| Core deposits to total deposits | 92.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.97% |
| Securities to assets | 13.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.59% | 0.58% | 3.88% | 0.66% | 0.30% |
| Q4 2023 | 12.30% | 0.35% | 3.63% | 0.78% | 0.28% |
| Q1 2024 | 12.64% | 0.44% | 3.67% | 0.90% | 0.07% |
| Q2 2024 | 13.29% | 0.69% | 3.89% | 1.15% | 0.48% |
| Q3 2024 | 12.74% | 0.39% | 4.14% | 1.84% | 1.38% |
| Q4 2024 | 12.91% | -0.47% | 3.78% | 1.20% | 0.96% |
| Q1 2025 | 12.88% | 0.64% | 4.06% | 1.21% | 0.39% |
| Q2 2025 | 12.85% | 0.30% | 4.23% | 1.17% | 0.54% |
| Q3 2025 | 13.01% | 0.58% | 4.35% | 1.15% | 0.24% |
| Q4 2025 | 11.67% | -0.53% | 4.10% | 1.23% | 0.24% |
| Q1 2026 | 12.07% | 0.75% | 4.36% | 1.13% | 0.63% |
| Q2 2026 | 11.69% | -0.87% | 4.23% | 4.17% | 1.38% |
The Fairmount State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fairmount State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Fairmount State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1829) · FFIEC NIC profile (RSSD 503547)