🏦Bank Scorer

THE STATE BANK OF FARIBAULT

FARIBAULT, MN · Supervised by FDIC

Est. 1919FDIC #1,610RSSD: FDIC-1610
Part ofFARIBAULT BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.16%

Institution Profile

FDIC BankFind

Address

428 Central Ave N, FARIBAULT, MN

County

Rice County

Established

November 14, 1919

Total Assets

$323M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$323M

Total Deposits

$297M

Net Loans

$178M

Net Income

$924K

ROA

1.16%

ROE

16.56%

Risk-Based Capital

14.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.13%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$290M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247893.59%5.13%
20238486.9%10.71%
202212386.99%9.76%
202121492.99%4.67%
202033786.05%8.31%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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