FDIC Cert #8541 · Fairmont, Minnesota · Est. 1917

State Bank of Fairmont - FDIC Bank Health Profile

A community-scale look at State Bank of Fairmont's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$142M
Total assets
B
Health grade · Good
0.84%
Return on assets
14.9%
Tier 1 capital

Data updated July 2026

The verdict

State Bank of Fairmont earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.92% Tier 1, 0.84% ROA, 75% efficiency ratio.

#3,420
largest of 4,313 FDIC banks by assets
21st
percentile by asset size, nationally
14.92%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 8541 · MN B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3144/4307
  • PHOTO-FINISH Bank of Erath · LA
  • TIER1-WELL 14.9% Tier 1
  • TEXAS-CLEAN 6.4% Texas
  • ROA-PAR 0.84% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Bank of Erath, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around State Bank of Fairmont

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Erath · LA · near69/100Citizens State Bank · MI · n…69/100Cowboy State Bank · WY · near69/100Scott State Bank · IL · near69/100State Bank of Fairmont · MN …69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around State Bank of Fairmont · July 2026

Call Report read for State Bank of Fairmont in a high-failure state

State Bank of Fairmont (FDIC Cert #8541) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,144 of 4,307. Tier 1 capital prints at 14.92%, clearing the 10% well-capitalized line. The Texas Ratio is 6.42%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.84%. Balance-sheet scale is $142M, 3,420th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Erath (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around State Bank of Fairmont

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

State Bank of Fairmont sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about State Bank of Fairmont's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How State Bank of Fairmont's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
State Bank of Fairmont's composite health score
Tier 1 Capital Ratio (14.92%) 35/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (6.42%) 16/20
Efficiency Ratio (74.69%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$142M

Total balance-sheet footings

Total Deposits

$127M

Customer-funded liabilities

Net Loans

$103M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.52% 14.92% 16.32%
Basel III capital ratios - State Bank of Fairmont

Where State Bank of Fairmont ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Fairmont's score of 69/100 falls in the highlighted band.

State Bank of Fairmont: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 27th percentile higher than 27% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. State Bank of Fairmont 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

State Bank of Fairmont's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). State Bank of Fairmont's $142M falls in the highlighted band.

Capital & credit buffers at State Bank of Fairmont

Tier 1 capital ratio
Well-capitalized 10%

14.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.92%
Texas Ratio
6.42%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: State Bank of Fairmont

Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
8.70%
Efficiency Ratio
74.69%

What these mean →

Income & expense at State Bank of Fairmont

$9M
Interest Income
$250K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Fairmont reports a Texas Ratio of 6.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View State Bank of Fairmont on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($142M here), outside Minnesota so the neighborhood is not state containment.

Security Bank of Southwest Missouri $142M · MO 1st Federal Savings Bank of SC, Inc. $142M · SC The Miners State Bank $141M · MI The American National Bank of Mount P… $142M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Fairmont (FDIC Cert #8541) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

State Bank of Fairmont Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%