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 0.60% above tier average
- + Efficiency Ratio 21.63% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.91% above tier average
- - Delinquency Rate 2.18% 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
|
-$4.0M |
$62.2M
-0.6% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$44.1M
+6.0% YoY
-1.7% QoQ
|
+$9.8M |
$34.2M
-1.4% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$50.8M
+0.2% YoY
+7.3% QoQ
|
-$926K |
$51.7M
-0.7% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
0.81%
+24.4% YoY
+242.3% QoQ
|
-0.03% |
0.84%
-2.3% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
4.46%
+5.7% YoY
+3.3% QoQ
|
+0.60% |
3.86%
+2.8% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
66.72%
+1.2% YoY
-13.8% QoQ
|
-21.63% |
88.34%
+0.3% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
3.56%
+82.4% YoY
+15.0% QoQ
|
+2.18% |
1.37%
+33.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.2% in tier |
| Loan-to-Deposit Ratio ? |
86.74%
+5.8% YoY
-8.3% QoQ
|
+22.53% |
64.22%
-0.7% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
30.95%
+2.5% YoY
+11.1% QoQ
|
+7.23% |
23.71%
+0.3% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
2.70%
+91.4% YoY
+12.9% QoQ
|
+1.91% |
0.79%
+28.2% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.1% in tier |
| Tier 1 Capital Ratio ? |
12.07%
-6.2% YoY
+3.5% QoQ
|
-14.61% |
26.68%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.07%
-1.0% YoY
-76.2% QoQ
|
-0.59% |
0.67%
+1.9% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
57% |
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Signature Analysis
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Metric Rankings
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