The Fairmount State Bank: how it compares with its peers
Against 599 U.S. banks with half to twice its assets, The Fairmount State Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 3.88% peer median). Its weakest relative measure is return on assets (-0.03% vs. 1.05%).
| Measure | The Fairmount State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.03% | 1.05% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.88% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.94% | 69.22% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.2M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.74% | 69.07% | Context |
What it means for lending operations
Its efficiency ratio of 61.94% is better than the 69.22% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Amistad Bank Del Rio, TX · $57M
- Asian Pacific National Bank San Gabriel, CA · $57M
- Citizens State Bank of Milford Milford, IL · $57M
- United Minnesota Bank New London, MN · $57M
- HSBC Trust Company (Delaware), National Association Wilmington, DE · $57M
- Farmers State Bank, Allen, Oklahoma Allen, OK · $57M
Questions about The Fairmount State Bank
How big is The Fairmount State Bank?
The Fairmount State Bank, established in 1902, is headquartered in Fairmount, IN. It reported $57M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Fairmount State Bank's return on assets?
-0.03% annualized in Q2 2026, against a 1.05% median for 599 U.S. banks with half to twice its assets, ahead of 11% of them.
What is The Fairmount State Bank's efficiency ratio?
61.94% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 69.22%, and lower is better.
Is The Fairmount State Bank growing its loans?
Net loans grew 0.6% over the year to Q2 2026, while deposits shrank 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.