BlastPoint's Banking Scorecard
State Bank of Fairmont
Fairmont, MN
State Bank of Fairmont has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.56% above tier average
- + Efficiency Ratio 14.98% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 40.7% in tier
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.7M
+9.8% YoY
+10.0% QoQ
|
-$230.4M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$102.8M
-5.0% YoY
-0.6% QoQ
|
-$152.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$140.8M
+10.0% YoY
+10.8% QoQ
|
-$187.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.83%
+6.2% YoY
+117.8% QoQ
|
+0.56% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
3.85%
-6.2% YoY
-5.8% QoQ
|
-0.08% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
50.31%
-10.6% YoY
-32.6% QoQ
|
-14.98% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
1.03%
+8.0% YoY
+4.6% QoQ
|
+0.14% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
72.97%
-13.6% YoY
-10.3% QoQ
|
-3.67% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
13.12%
-9.4% YoY
-12.4% QoQ
|
-8.90% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.68%
-6.6% YoY
-5.5% QoQ
|
+0.04% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
15.40%
+9.9% YoY
+3.2% QoQ
|
-0.43% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.04%
-16.3% YoY
-79.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.6% in tier |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.