| Metric | State Bank of Fairmont | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.4% | +4.4 pts |
| Deposit growth (YoY) | +8.9% | +4.0% | +4.9 pts |
| Loan growth (YoY) | -4.2% | +5.6% | -9.8 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 18.1% | 11.9% | +6.3 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.2M | $139.1M | $104.4M | $14.8M | $1.3M | 1.74% | 3.88% | 1.40% |
| Q1 2026 | $155.7M | $140.8M | $102.8M | $14.5M | $680K | 1.83% | 3.85% | 0.68% |
| Q4 2025 | $141.5M | $127.2M | $103.4M | $14.0M | $1.2M | 0.84% | 4.09% | 0.72% |
| Q3 2025 | $141.1M | $126.3M | $109.5M | $14.4M | $1.8M | 1.68% | 4.09% | 0.72% |
| Q2 2025 | $141.8M | $127.7M | $109.0M | $13.7M | $1.1M | 1.61% | 4.07% | 0.71% |
| Q1 2025 | $141.8M | $128.0M | $108.2M | $13.4M | $601K | 1.72% | 4.11% | 0.73% |
| Q4 2024 | $137.1M | $124.2M | $103.4M | $12.6M | $869K | 0.63% | 3.57% | 0.94% |
| Q3 2024 | $135.8M | $122.2M | $103.9M | $13.3M | $1.3M | 1.26% | 3.53% | 1.11% |
Loan mix (Q2 2026): real estate $48.4M · commercial $31.0M · consumer $6.4M · securities $20.4M
| Ratio | State Bank of Fairmont | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 62.9% | 22th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | State Bank of Fairmont | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | State Bank of Fairmont | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | State Bank of Fairmont | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | State Bank of Fairmont | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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