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The Fairmount State Bank
Fairmount, IN · FDIC Certificate #1829 · Chartered 12/1
Total assets
$57.02M
Total deposits
$49.02M
Total equity
$6.90M
Net loans
$43.50M
Branches (offices)
1
Net income (YTD)
-$9.00K
Rank: #3,989 of 4,213 U.S. banks by assets · #84 of 87 in Indiana. Assets changed -1.1% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.03% |
| Return on equity | -0.26% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 12.10% |
| Tier 1 leverage ratio | 11.69% |
| Uninsured deposits (share of deposits) | 15.3% |
| Noncurrent loans (share of loans) | 6.37% |
| Net charge-offs (share of loans) | 1.00% |
| Loans to deposits | 88.7% |
| Real estate loans (share of loans) | 56.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.51M | 56.3% | |
| Commercial & industrial | $2.60M | 6.0% | |
| Consumer / individual | $5.83M | 13.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $11.19M | 25.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $61.48M | $55.47M | $98.00K | $5.64M |
| Jun 2023 | $57.07M | $48.75M | $156.00K | $5.99M |
| Jun 2024 | $54.77M | $48.21M | $158.00K | $6.41M |
| Jun 2025 | $57.65M | $49.95M | $136.00K | $6.77M |
| Jun 2026 | $57.02M | $49.02M | -$9.00K | $6.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $49.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $49.02M.
Similar-sized banks
Hsbc Trust Company (Delaware), National Association ($57.16M) · Amistad Bank ($56.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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