BlastPoint's Banking Scorecard

The Fairfield National Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 3792

Fairfield, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits -5.5% year over year ($410.2M on the books).
Delinquency rate 1.53%.
Return on assets 0.69%.
Efficiency ratio 79.00% vs a 64.48% peer average.
Loan-to-deposit ratio 68.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

The Fairfield National Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 7.4% in tier
- Deposit Outflow: Bottom 29.2% in tier
- Net Interest Margin 1.56% below tier average
- ROA 0.64% below tier average
- Efficiency Ratio 14.53% above tier average
- Delinquency Rate 0.61% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$620.9M -1.3% YoY -1.1% QoQ	+$234.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$282.5M -12.5% YoY +1.9% QoQ	+$24.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$410.2M -5.5% YoY -3.2% QoQ	+$83.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	0.69% +39.8% YoY +3.7% QoQ	-0.64%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	2.42% +15.7% YoY +0.8% QoQ	-1.56%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 2.5% in tier
Efficiency Ratio ?	79.00% -3.8% YoY -0.1% QoQ	+14.53%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 14.6% in tier
Delinquency Rate ?	1.53% -46.5% YoY -26.8% QoQ	+0.61%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	68.87% -7.4% YoY +5.3% QoQ	-9.09%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	9.87% +7.0% YoY -0.4% QoQ	-12.16%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 10.3% in tier
Nonperforming Asset Ratio ?	0.70% -52.5% YoY -24.6% QoQ	+0.03%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	11.89% +1.4% YoY -2.9% QoQ	-4.01%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.31% +2.2% YoY +100.4% QoQ	-0.26%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	9.9% +0.6pp YoY 0.0pp QoQ	-12.3pp	22.1%	20.1%	22.2%	10%
Brokered Deposits	3.7% -2.8pp YoY +0.1pp QoQ	-4.2pp	7.9%	8.0%	8.5%	43%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	27.4% -5.6pp YoY -1.7pp QoQ	+15.8pp	11.6%	14.7%	12.5%	95%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	23.1% +0.9pp YoY -0.9pp QoQ	-9.5pp	32.6%	28.3%	31.3%	37%
Consumer	1.5% -0.6pp YoY -0.2pp QoQ	-2.6pp	4.1%	5.4%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	11.9% +0.2pp YoY -0.4pp QoQ	-0.3pp	12.2%	12.2%	12.6%	63%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	74 +2 (+2.8%) YoY -1 (-1.3%) QoQ	+15	58	228	482	73%
Assets per Employee ($)	$8.4M -4.0% YoY +0.3% QoQ	+$872K	$7.5M	$8.3M	$8.8M	73%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% -0.7pp YoY 0.0pp QoQ	+0.1pp	0.3%	0.4%	0.4%	78%
Nonaccrual	1.2% -0.6pp YoY -0.6pp QoQ	+0.2pp	0.9%	1.1%	1.0%	75%
Allowance Coverage	0.77x +54.0% YoY +30.3% QoQ	-23.38x	24.15x	5.62x	20.23x	19%
Net Charge-off Rate (YTD)	0.3% +0.1pp YoY -0.2pp QoQ	+0.2pp	0.1%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	6.6% +1.1pp YoY +0.2pp QoQ	-5.6pp	12.2%	10.5%	11.6%	19%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	77%
Net Income ($, YTD)	$2.1M +36.2% YoY — QoQ	-$411K	$2.6M	$11.7M	$40.4M	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#40 of 529 • Bottom 7.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.69%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#157 of 535 • Bottom 29.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

480

Total Assets

size

Value: $620.90M

Peer Median: $386.57M

#480 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (5 metrics)

2578

Net Interest Margin

profitability

Value: 2.42%

Peer Median: 3.99%

#2578 of 2643 Bottom 2.5% in $100M-$1B

2373

Non-Interest-Bearing Deposit Share

funding

Value: 9.87%

Peer Median: 22.03%

#2373 of 2643 Bottom 10.3% in $100M-$1B

2257

Efficiency Ratio

profitability

Value: 79.00%

Peer Median: 64.48%

#2257 of 2643 Bottom 14.6% in $100M-$1B

2157

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2157 of 2633 Bottom 18.1% in $100M-$1B

2155

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.32%

#2155 of 2643 Bottom 18.5% in $100M-$1B