State Bank of Fairmont

BankFairmont, Minnesota
www.sbof.com

Total Assets

$141.5M

Total Deposits

$127.2M

Branches

1

Established

1917

TFS Health Grade

$
C

74.5 / 100

Average financial health

How we grade

State Bank of Fairmont is a bank headquartered in Fairmont, Minnesota, established in 1917. With $141.5M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C (74.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.82%(8%)
Total Capital Ratio
16.18%(10%)
Non-Performing Loan Ratio
0.97%

Profitability

Return on Assets (ROA)
0.84%(1%)
Return on Equity (ROE)
8.70%(10%)
Net Interest Margin
4.09%
Efficiency Ratio
74.69%(60%)

Lending & Liquidity

Total Loans
$105.3M
Loan-to-Deposit Ratio
81.32%
Net Charge-Off Ratio
0.23%

Growth

Asset Growth (YoY)
+3.21%
Deposit Growth (YoY)
+2.38%
Net Income
$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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