BlastPoint's Banking Scorecard
The Fairmount State Bank
Designations: ✓ Community bank
Fairmount, IN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 7 in IN.
- Deposits -1.8% year over year ($49.0M on the books).
- Delinquency rate 6.53%.
- Return on assets -0.03%.
- Efficiency ratio 61.94% vs a 119.40% peer average.
- Loan-to-deposit ratio 88.74% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Fairmount State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio 57.45% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.05% above tier average
- - Nonperforming Asset Ratio 4.15% above tier average
- - ROA 1.03% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.0M
-1.1% YoY
-1.9% QoQ
|
-$5.4M |
$62.4M
-0.0% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$43.5M
+0.6% YoY
-1.3% QoQ
|
+$8.6M |
$34.9M
-0.6% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$49.0M
-1.8% YoY
-3.5% QoQ
|
-$2.6M |
$51.6M
-0.2% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
-0.03%
-106.5% YoY
-103.9% QoQ
|
-1.03% |
1.00%
+3.5% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.7% in tier |
| Net Interest Margin ? |
4.42%
+2.7% YoY
-0.8% QoQ
|
+0.50% |
3.91%
+2.3% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
61.94%
-11.2% YoY
-7.2% QoQ
|
-57.45% |
119.40%
+49.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
6.53%
+156.4% YoY
+83.6% QoQ
|
+5.05% |
1.48%
+31.8% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.6% in tier |
| Loan-to-Deposit Ratio ? |
88.74%
+2.4% YoY
+2.3% QoQ
|
+14.53% |
74.21%
+12.6% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
27.95%
-2.5% YoY
-9.7% QoQ
|
+4.46% |
23.49%
+0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
4.98%
+160.6% YoY
+84.7% QoQ
|
+4.15% |
0.84%
+23.0% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.6% in tier |
| Tier 1 Capital Ratio ? |
11.69%
-9.0% YoY
-3.2% QoQ
|
-15.44% |
27.13%
+3.0% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.15%
-1.3% YoY
+101.4% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.0%
-0.7pp YoY -3.0pp QoQ |
+3.3pp | 24.6% | 16.8% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
+1.4pp YoY +0.2pp QoQ |
-7.4pp | 13.4% | 11.1% | 12.5% | 27% |
| CRE | n/a | n/a | 25.2% | 36.2% | 41.4% | n/a |
| 1-4 Family |
35.3%
+0.5pp YoY +1.2pp QoQ |
+0.3pp | 35.0% | 40.0% | 31.3% | 56% |
| Consumer |
13.4%
-1.4pp YoY -0.1pp QoQ |
+5.7pp | 7.7% | 3.2% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
11.7%
-1.2pp YoY -0.4pp QoQ |
-6.0pp | 17.7% | 13.0% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-1 (-6.7%) YoY 0 QoQ |
+2 | 12 | 237 | 482 | 67% |
| Assets per Employee ($) |
$4.1M
+6.0% YoY -1.9% QoQ |
-$2.1M | $6.2M | $7.5M | $8.8M | 21% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.3%
+0.9pp YoY -0.1pp QoQ |
+1.3pp | 1.0% | 0.2% | 0.4% | 90% |
| Nonaccrual |
4.3%
+3.1pp YoY +3.1pp QoQ |
+2.5pp | 1.7% | 0.8% | 1.0% | 93% |
| Allowance Coverage |
0.39x
-44.0% YoY -29.0% QoQ |
-6.02x | 6.41x | 6.71x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
1.0%
+0.5pp YoY +0.4pp QoQ |
+0.8pp | 0.2% | 0.1% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.3%
-4.4pp YoY -7.0pp QoQ |
-6.7pp | 6.4% | 11.2% | 11.6% | 13% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 1.4% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$-9000.0
-106.6% YoY — QoQ |
-$327K | $317,817 | $16.3M | $40.4M | 13% |
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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)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.