BlastPoint's Banking Scorecard
The Fairmount State Bank
Micro
Specialty: Agricultural
IN
FDIC cert 1829
Designations: ✓ Community bank
Fairmount, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
The Fairmount State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.45% above tier
- - Nonperforming Asset Ratio 1.94% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.0M
+3.5% YoY
-2.6% QoQ
|
-$159.5M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$44.8M
+5.8% YoY
-1.0% QoQ
|
-$94.4M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$47.4M
-4.2% YoY
-3.0% QoQ
|
-$136.3M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.27%
+6.2% YoY
-45.9% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
4.31%
+9.3% YoY
+0.1% QoQ
|
+0.46% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
76.76%
+3.5% YoY
+9.1% QoQ
|
+9.04% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
3.09%
+39.8% YoY
-5.8% QoQ
|
+2.45% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
94.62%
+10.4% YoY
+2.1% QoQ
|
+20.09% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
27.85%
-6.1% YoY
-9.3% QoQ
|
+5.46% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
2.39%
+42.9% YoY
-4.2% QoQ
|
+1.94% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.34%
+4.5% YoY
+58.8% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.09%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.85% · Tier avg: 22.39%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
25
25th pctile
Efficiency Ratio
Current: 76.76% · Tier avg: 67.73%
17
17th pctile
Total Loans
Current: $44.8M · Tier avg: $139.2M
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.62% · Tier avg: 74.53%
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
10
10th pctile
Total Assets
Current: $58.0M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $47.4M · Tier avg: $183.7M
7
7th pctile
Delinquency Rate
Current: 3.09% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.39% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.39% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.09% · Tier avg: 0.64%
9
9th pctile
Total Deposits
Current: $47.4M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $58.0M · Tier avg: $217.5M
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.62% · Tier avg: 74.53%
17
17th pctile
Total Loans
Current: $44.8M · Tier avg: $139.2M
25
25th pctile
Efficiency Ratio
Current: 76.76% · Tier avg: 67.73%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.85% · Tier avg: 22.39%