Headquartered in Fairmount, Indiana, The Fairmount State Bank is a state-chartered bank (fed member) with $57.0M in total assets and $49.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1902.
Based on its Q2 2026 filing, The Fairmount State Bank scores 37/100, which we describe as low. That is higher than only 3% of 546 banks with under $100 million in assets. Among 88 banks headquartered in Indiana, it ranks 87th. Its strongest component is funding & liquidity (71/100; 89% loans-to-deposits, 15% uninsured), and its lowest is loan quality (0/100; 6.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 17 points (54 → 37), mostly because the problem-loan coverage component weakened by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 51 |
| Q4 2024 | 55 |
| Q1 2025 | 61 |
| Q2 2025 | 54 |
| Q3 2025 | 48 |
| Q4 2025 | 42 |
| Q1 2026 | 49 |
| Q2 2026 | 37 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.29% |
| Q3 2024 | 12.74% |
| Q4 2024 | 12.91% |
| Q1 2025 | 12.88% |
| Q2 2025 | 12.85% |
| Q3 2025 | 13.01% |
| Q4 2025 | 11.67% |
| Q1 2026 | 12.07% |
| Q2 2026 | 11.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.50% |
| Q3 2024 | 2.79% |
| Q4 2024 | 2.18% |
| Q1 2025 | 1.92% |
| Q2 2025 | 2.50% |
| Q3 2025 | 3.22% |
| Q4 2025 | 3.03% |
| Q1 2026 | 3.49% |
| Q2 2026 | 6.37% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.81% |
| Q2 2026 | -0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 37 | $57.0M | 11.69% | 6.37% | -0.03% | 88.7% |
| Q1 2026 | 49 | $58.1M | 12.07% | 3.49% | 0.81% | 86.7% |
| Q4 2025 | 42 | $58.0M | 11.67% | 3.03% | 0.24% | 94.6% |
| Q3 2025 | 48 | $59.6M | 13.01% | 3.22% | 0.51% | 92.7% |
| Q2 2025 | 54 | $57.6M | 12.85% | 2.50% | 0.48% | 86.6% |
| Q1 2025 | 61 | $57.5M | 12.88% | 1.92% | 0.65% | 82.0% |
| Q4 2024 | 55 | $56.0M | 12.91% | 2.18% | 0.26% | 85.7% |
| Q3 2024 | 51 | $55.6M | 12.74% | 2.79% | 0.50% | 86.2% |
| Q2 2024 | 56 | $54.8M | 13.29% | 2.50% | 0.56% | 82.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community Bank SB of Monticello, IndianaBank Monticello, IN | 57 out of 100, Moderate | $42.7M | 32.0% | 2.84% | vs |
| Boonville Federal Savings BankBank Boonville, IN | 55 out of 100, Moderate | $71.5M | 8.8% | 0.89% | vs |
| Scottsburg Building and Loan AssociationBank Scottsburg, IN | 82 out of 100, Strong | $76.9M | 18.9% | 0.18% | vs |
| Generations Community BankBank Indianapolis, IN | 76 out of 100, Strong | $30.9M | 86.2% | 0.00% | vs |
| First Federal Savings Bank of WashingtonBank Washington, IN | 49 out of 100, Below average | $94.4M | 11.0% | 2.06% | vs |
| Everence Trust CompanyBank Goshen, IN | 94 out of 100, Very strong | $16.2M | 96.8% | 0.00% | vs |
Deposit insurance
Is my money safe at The Fairmount State Bank?
Yes. The Fairmount State Bank is an FDIC-insured institution (FDIC certificate #1829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.3% of deposits ($7.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Fairmount State Bank lists 1 office in 1 city. Most locations:
- Fairmount, IN (1)
Identity & history
Profile
- Legal name
- The Fairmount State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1829
- RSSD ID
- 503547
- Primary regulator
- FED
- Holding company
- Fairmount Banking Co
- Established
- December 18, 1902
- Headquarters
- 101 N Main St, Fairmount, IN 46928
- Website
- www.fairmountstatebank.com
- Employees
- 14
Quick answers
The Fairmount State Bank: common questions
Is The Fairmount State Bank FDIC insured?
Yes. The Fairmount State Bank is an FDIC-insured institution (FDIC certificate #1829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Fairmount State Bank's TellerScore?
37 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Fairmount State Bank ever failed?
There is no failure record for FDIC certificate #1829 in the FDIC failed bank list.
How many branches does The Fairmount State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fairmount
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fortress Federal Credit UnionCredit union Marion, IN | 88 out of 100, Very strong | $22.3M | 17.6% | 0.08% | vs |
| Riverside Community Federal Credit UnionCredit union Marion, IN | 79 out of 100, Strong | $59.6M | 14.7% | 1.13% | vs |
| Via Credit UnionCredit union Marion, IN | 76 out of 100, Strong | $604.4M | 13.2% | 0.62% | vs |
| Beacon Credit UnionCredit union Wabash, IN | 76 out of 100, Strong | $1.8B | 13.5% | 0.47% | vs |
| The Bippus State BankBank Huntington, IN | 76 out of 100, Strong | $458.9M | 12.0% | 0.86% | vs |
| Indiana Members Credit UnionCredit union Indianapolis, IN | 74 out of 100, Strong | $3.6B | 10.6% | 0.49% | vs |