BlastPoint's Banking Scorecard
The Fairfield National Bank
Fairfield, IL
3 branches across IL
The Fairfield National Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 32.0% in tier
- - Net Interest Margin 1.53% below tier average
- - ROA 0.61% below tier average
- - Efficiency Ratio 13.80% above tier average
- - Delinquency Rate 1.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$627.5M
-3.4% YoY
+0.7% QoQ
|
+$241.4M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$277.2M
-17.7% YoY
-6.5% QoQ
|
+$21.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$423.9M
-6.3% YoY
+0.7% QoQ
|
+$95.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.66%
+52.0% YoY
+16.3% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
2.40%
+16.0% YoY
+9.3% QoQ
|
-1.53% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio ? |
79.08%
-3.6% YoY
-5.5% QoQ
|
+13.80% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
2.09%
-29.2% YoY
+3.2% QoQ
|
+1.20% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
65.40%
-12.2% YoY
-7.1% QoQ
|
-11.24% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
9.92%
+9.6% YoY
+2.9% QoQ
|
-12.10% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.5% in tier |
| Nonperforming Asset Ratio ? |
0.92%
-39.7% YoY
-4.2% QoQ
|
+0.29% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.25%
+7.4% YoY
+2.1% QoQ
|
-3.58% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.15%
+5.1% YoY
-74.0% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.