Is State Bank of Faribault Safe?
State Bank of Faribault has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (42/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.18% | 78/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 39.74% | 100/100 |
| Return on Assets | 0.54% | 42/100 |
| Total Assets | $0.3B | |
How does State Bank of Faribault compare?
With a Bank Health Score of 87/100, State Bank of Faribault sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, State Bank of Faribault ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 12.18% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, State Bank of Faribault's Bank Health Score fell by 3.0 points to 87/100. Tier 1 capital weakened by 0.70 percentage points to 12.18%.
State Bank of Faribault has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (42/100).