The State Bank of Faribault
Total assets
$329.2M
▲ +5.1% YoY
Deposits
$301.4M
▲ +3.8% YoY
Loans
$175.9M
▲ +0.8% YoY
Offices
3
FARIBAULT BANCSHARES INC
ROA (annualized)
1.14%
peers 1.24%
ROE (annualized)
16.08%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 16.1% | 11.9% | +4.2 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 1919
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FARIBAULT BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 428 Central Ave N, Faribault, MN, 55021
- County
- Rice
- Metro area
- Faribault-Northfield, MN
- Offices
- 3
- FDIC cert #
- 1610
- RSSD ID
- 46053
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $329.2M | $301.4M | $175.9M | $23.9M | $1.8M | 1.14% | 4.12% | 0.84% |
| Q1 2026 | $323.2M | $296.6M | $177.7M | $22.7M | $924K | 1.16% | 4.05% | 0.46% |
| Q4 2025 | $316.2M | $285.1M | $174.6M | $22.0M | $2.3M | 0.72% | 3.77% | 0.42% |
| Q3 2025 | $322.0M | $296.9M | $172.2M | $20.7M | $2.0M | 0.84% | 3.70% | 0.34% |
| Q2 2025 | $313.3M | $290.4M | $174.5M | $19.0M | $1.1M | 0.73% | 3.64% | 0.38% |
| Q1 2025 | $312.2M | $290.9M | $167.8M | $17.4M | $550K | 0.71% | 3.60% | 0.01% |
| Q4 2024 | $308.1M | $287.9M | $166.7M | $16.3M | $1.9M | 0.63% | 3.27% | 0.03% |
| Q3 2024 | $306.3M | $286.1M | $165.6M | $16.6M | $1.3M | 0.57% | 3.21% | 0.00% |
Loan mix (Q2 2026): real estate $139.0M · commercial $28.9M · consumer $5.6M · securities $108.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | 71th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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