BlastPoint's Banking Scorecard
State Bank of Fairmont
$100M-$1B
Specialty: Agricultural
MN
FDIC cert 8541
Fairmont, MN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +8.9% year over year ($139.1M on the books).
- Delinquency rate 2.06%.
- Return on assets 1.74%.
- Efficiency ratio 52.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.11% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
151 in MN
View $100M-$1B leaderboard (MN) →
State Bank of Fairmont has 2 strengths but faces 2 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.41% above tier average
- + Efficiency Ratio 11.69% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.10% below tier average
- - Delinquency Rate 1.14% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.2M
+8.8% YoY
-0.9% QoQ
|
-$232.3M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$104.4M
-4.2% YoY
+1.6% QoQ
|
-$153.9M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$139.1M
+8.9% YoY
-1.3% QoQ
|
-$187.7M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.74%
+8.1% YoY
-5.1% QoQ
|
+0.41% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
3.88%
-4.6% YoY
+0.8% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
52.79%
-8.8% YoY
+4.9% QoQ
|
-11.69% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
2.06%
+122.5% YoY
+100.3% QoQ
|
+1.14% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.2% in tier |
| Loan-to-Deposit Ratio ? |
75.11%
-12.0% YoY
+2.9% QoQ
|
-2.85% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
14.93%
-1.0% YoY
+13.8% QoQ
|
-7.10% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.40%
+96.0% YoY
+105.4% QoQ
|
+0.73% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.3% in tier |
| Tier 1 Capital Ratio ? |
15.54%
+10.8% YoY
+0.9% QoQ
|
-0.37% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.08%
-8.8% YoY
+121.4% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.4% in tier |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.9%
-0.2pp YoY +1.8pp QoQ |
-7.2pp | 22.1% | 21.9% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
29.7%
+1.3pp YoY +0.1pp QoQ |
+18.1pp | 11.6% | 14.6% | 12.5% | 96% |
| CRE |
5.8%
+0.2pp YoY -0.1pp QoQ |
-33.7pp | 39.5% | 36.5% | 41.4% | 1% |
| 1-4 Family |
18.3%
+2.0pp YoY +0.2pp QoQ |
-14.3pp | 32.6% | 29.4% | 31.3% | 26% |
| Consumer |
6.1%
-0.3pp YoY -0.3pp QoQ |
+2.0pp | 4.1% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
+1.5pp YoY +0.1pp QoQ |
-3.3pp | 18.8% | 16.5% | 19.7% | 55% |
| Leverage Ratio |
10.4%
-0.4pp YoY -0.6pp QoQ |
-1.8pp | 12.2% | 11.0% | 12.6% | 39% |
| Total Capital Ratio |
16.8%
+1.5pp YoY +0.1pp QoQ |
-3.1pp | 19.9% | 17.6% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY 0 QoQ |
-42 | 58 | 55 | 482 | 7% |
| Assets per Employee ($) |
$9.1M
+8.8% YoY -0.9% QoQ |
+$1.6M | $7.5M | $8.6M | $8.8M | 80% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.4%
+1.4pp YoY +1.1pp QoQ |
+1.1pp | 0.3% | 0.4% | 0.4% | 95% |
| Nonaccrual |
0.7%
-0.3pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 61% |
| Allowance Coverage |
0.83x
-59.2% YoY -53.0% QoQ |
-23.32x | 24.15x | 20.41x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp QoQ |
+0.1pp | 0.1% | 0.2% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
+1.1pp YoY -1.0pp QoQ |
+5.9pp | 12.2% | 13.1% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 73% |
| Net Income ($, YTD) |
$1.3M
+16.0% YoY — QoQ |
-$1.2M | $2.6M | $4.5M | $40.4M | 36% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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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 are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (2 metrics)
596
Efficiency Ratio
profitability
Value:
52.79%
Peer Median: 64.48%
#596 of 2643
Top 22.5% in $100M-$1B
597
Return on Assets
profitability
Value:
1.74%
Peer Median: 1.32%
#597 of 2643
Top 22.6% in $100M-$1B
Top Weaknesses (7 metrics)
2312
Delinquency Rate
credit_quality
Value:
2.06%
Peer Median: 0.92%
#2312 of 2633
Bottom 12.2% in $100M-$1B
2293
Nonperforming Asset Ratio
credit_quality
Value:
1.40%
Peer Median: 0.67%
#2293 of 2643
Bottom 13.3% in $100M-$1B
2290
Non-Interest Income / Assets
revenue_mix
Value:
0.08%
Peer Median: 0.57%
#2290 of 2643
Bottom 13.4% in $100M-$1B
2240
Total Assets
size
Value:
$154.22M
Peer Median: $386.57M
#2240 of 2643
Bottom 15.3% in $100M-$1B
2169
Total Deposits
size
Value:
$139.05M
Peer Median: $326.73M
#2169 of 2643
Bottom 18.0% in $100M-$1B
2110
Total Loans
size
Value:
$104.44M
Peer Median: $258.35M
#2110 of 2643
Bottom 20.2% in $100M-$1B
2006
Non-Interest-Bearing Deposit Share
funding
Value:
14.93%
Peer Median: 22.03%
#2006 of 2643
Bottom 24.1% in $100M-$1B