BlastPoint's Banking Scorecard
Fairview State Banking Company
Designations: ✓ Community bank
Fairview, IL
Fairview State Banking Company shows strong momentum with 4 strengths and 10.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 24.35% below tier average
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.7M
+10.8% YoY
-5.1% QoQ
|
-$21.4M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$23.4M
+1.3% YoY
-3.3% QoQ
|
-$10.9M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$34.7M
+10.4% YoY
-5.7% QoQ
|
-$17.1M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.12%
-2.3% YoY
-21.7% QoQ
|
+0.28% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
4.18%
-1.6% YoY
-16.3% QoQ
|
+0.32% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
63.99%
+6.7% YoY
+12.6% QoQ
|
-24.35% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.71%
+71.4% YoY
-42.4% QoQ
|
-0.67% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
67.41%
-8.2% YoY
+2.6% QoQ
|
+3.20% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
13.65%
-21.5% YoY
-43.1% QoQ
|
-10.06% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.41%
+56.8% YoY
-41.3% QoQ
|
-0.38% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.83%
-1.6% YoY
+1.5% QoQ
|
-12.86% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.05%
-44.7% YoY
-74.3% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
40% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.