FDIC Cert #1610 · Faribault, Minnesota · Est. 1919

The State Bank of Faribault - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$316M
Total assets
B
Health grade · Good
0.72%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

The State Bank of Faribault earns a PlainBankData health grade of B (65/100), with well-capitalized at 12.46% Tier 1, 0.72% ROA, 81% efficiency ratio.

#2,416
largest of 4,313 FDIC banks by assets
44th
percentile by asset size, nationally
12.46%
Tier 1 ratio - above the 10% well-capitalized line
26th
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 1610 · MN B · 65/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (65/100)
  • LOWER-Q #3522/4307
  • PHOTO-FINISH Mountain Valley Bank · TN
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 5.3% Texas
  • ROA-THIN 0.72% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Mountain Valley Bank, TN (±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 The State Bank of Faribault

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

Morgan Stanley Bank,… · UT ·…100/100First Summit Bank · OK · near65/100Mountain Valley Bank · TN · …65/100The Clinton National… · IA ·…65/100The First National B… · KY ·…65/100The State Bank of Fa… · MN ·…65/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The State Bank of Faribault · July 2026

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

The State Bank of Faribault (FDIC Cert #1610) carries a PlainBankData health grade of B at 65/100, 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 #3,522 of 4,307. Tier 1 capital prints at 12.46%, clearing the 10% well-capitalized line. The Texas Ratio is 5.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.72%. Balance-sheet scale is $316M, 2,416th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mountain Valley Bank (TN), 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 The State Bank of Faribault

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

The State Bank of Faribault 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 The State Bank of Faribault'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 The State Bank of Faribault's 65/100 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 avg77/10065/100
The State Bank of Faribault's composite health score
Tier 1 Capital Ratio (12.46%) 35/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (5.30%) 16/20
Efficiency Ratio (81.09%) 0/15

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

Balance sheet at a glance

Total Assets

$316M

Total balance-sheet footings

Total Deposits

$285M

Customer-funded liabilities

Net Loans

$175M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.06% 12.46% 13.86%
Basel III capital ratios - The State Bank of Faribault

Where The State Bank of Faribault ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The State Bank of Faribault's score of 65/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

65 18th percentile higher than 18% 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. The State Bank of Faribault 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

The State Bank of Faribault'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). The State Bank of Faribault's $316M falls in the highlighted band.

Capital & credit buffers at The State Bank of Faribault

Tier 1 capital ratio
Well-capitalized 10%

12.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.46%
Texas Ratio
5.30%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: The State Bank of Faribault

Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
11.93%
Efficiency Ratio
81.09%

What these mean →

Income & expense at The State Bank of Faribault

$16M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The State Bank of Faribault reports a Texas Ratio of 5.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The State Bank of Faribault 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 ($316M here), outside Minnesota so the neighborhood is not state containment.

Sewickley Savings Bank $316M · PA The Colorado Bank and Trust Company o… $316M · CO Abacus Federal Savings Bank $316M · NY Kearney Trust Company $316M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The State Bank of Faribault (FDIC Cert #1610) - 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.

The State Bank of Faribault 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%