BlastPoint's Banking Scorecard
The Fairmount State Bank
Designations: ✓ Community bank
Fairmount, IN
The Fairmount State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Efficiency Ratio 20.91% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.20% above tier average
- - Nonperforming Asset Ratio 1.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.1M
+1.0% YoY
+0.2% QoQ
|
-$4.2M |
$62.3M
-0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.0% YoY
|
43% |
| Total Loans ? |
$44.1M
+6.0% YoY
-1.7% QoQ
|
+$9.8M |
$34.3M
-1.5% YoY
|
$1.8B
+14.1% YoY
|
$3.2B
+10.7% YoY
|
68% |
| Total Deposits ? |
$50.8M
+0.2% YoY
+7.3% QoQ
|
-$1.0M |
$51.8M
-0.6% YoY
|
$2.0B
+11.7% YoY
|
$4.8B
+8.0% YoY
|
47% |
| Return on Assets ? |
0.81%
+24.4% YoY
+242.3% QoQ
|
-0.05% |
0.86%
-3.6% YoY
|
0.88%
-9.0% YoY
|
1.24%
+13.1% YoY
|
43% |
| Net Interest Margin ? |
4.46%
+5.7% YoY
+3.3% QoQ
|
+0.59% |
3.87%
+2.7% YoY
|
3.62%
+8.1% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
66.72%
+1.2% YoY
-13.8% QoQ
|
-20.91% |
87.63%
+2.3% YoY
|
103.85%
+48.1% YoY
|
66.84%
-3.8% YoY
|
61% |
| Delinquency Rate ? |
3.56%
+82.4% YoY
+15.0% QoQ
|
+2.20% |
1.36%
+33.7% YoY
|
0.84%
+20.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.9% in tier |
| Loan-to-Deposit Ratio ? |
86.74%
+5.8% YoY
-8.3% QoQ
|
+22.63% |
64.11%
-0.9% YoY
|
80.90%
+0.8% YoY
|
76.69%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
30.95%
+2.5% YoY
+11.1% QoQ
|
+7.16% |
23.79%
+0.5% YoY
|
17.23%
-0.8% YoY
|
22.01%
-1.1% YoY
|
76% |
| Nonperforming Asset Ratio ? |
2.70%
+91.4% YoY
+12.9% QoQ
|
+1.92% |
0.77%
+28.7% YoY
|
0.62%
+28.0% YoY
|
0.66%
+19.3% YoY
|
Bottom 5.8% in tier |
| Tier 1 Capital Ratio ? |
12.07%
-6.2% YoY
+3.5% QoQ
|
-14.70% |
26.77%
+2.0% YoY
|
16.21%
+1.8% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.07%
-1.0% YoY
-76.2% QoQ
|
-0.60% |
0.67%
+1.6% YoY
|
0.81%
-14.6% YoY
|
0.32%
+4.0% YoY
|
57% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
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Metric Rankings
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