The State Bank of Faribault: 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.
Reserve coverage of non-performing loans climbed 422.85 percentage points in Q2 2026, from 184.45% to 607.30%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The State Bank of Faribault is 152nd of 221 on return on assets, 1.13% as of Q2 2026, below the middle of the field. The State Bank of Faribault reported 1.13% on return on assets for Q2 2026, 0.13 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 14.11% |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 7.25% |
| Tangible equity to tangible assets | 7.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.94% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 11.32% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | 607.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 15.68% |
| Net interest margin | 4.04% |
| Efficiency ratio | 70.63% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.51% |
| Core deposits to total deposits | 94.21% |
| Brokered deposits to total deposits | 2.32% |
| Deposits to assets | 91.56% |
| Securities to assets | 33.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.88% | 12.88% | 14.13% | 9.15% | 0.74% |
| Q4 2023 | 13.05% | 13.05% | 14.30% | 9.35% | 0.96% |
| Q1 2024 | 12.64% | 12.64% | 13.89% | 9.17% | 0.36% |
| Q2 2024 | 12.18% | 12.18% | 13.43% | 8.81% | 0.57% |
| Q3 2024 | 12.14% | 12.14% | 13.39% | 8.93% | 0.78% |
| Q4 2024 | 12.75% | 12.75% | 14.00% | 8.85% | 0.82% |
| Q1 2025 | 12.21% | 12.21% | 13.47% | 8.99% | 0.72% |
| Q2 2025 | 11.83% | 11.83% | 13.08% | 8.94% | 0.76% |
| Q3 2025 | 12.56% | 12.56% | 13.81% | 8.95% | 1.06% |
| Q4 2025 | 12.46% | 12.46% | 13.72% | 8.96% | 0.36% |
| Q1 2026 | 13.22% | 13.22% | 14.47% | 9.31% | 1.16% |
| Q2 2026 | 12.85% | 12.85% | 14.11% | 9.31% | 1.13% |
The State Bank of Faribault vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Faribault, 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 State Bank of Faribault profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1610) · FFIEC NIC profile (RSSD 46053)