BlastPoint's Banking Scorecard
The First National Bank of Fairfax
Designations: ✓ Community bank
Fairfax, MN
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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -6.1% year over year ($21.9M on the books).
- Delinquency rate 9.05%.
- Return on assets 1.10%.
- Efficiency ratio 66.95% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Fairfax has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Efficiency Ratio 52.44% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 7.57% above tier average
- - Nonperforming Asset Ratio 1.55% above tier average
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.6M
-4.0% YoY
+2.2% QoQ
|
-$26.8M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$9.4M
-13.5% YoY
-0.9% QoQ
|
-$25.5M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.4% in tier |
| Total Deposits ? |
$21.9M
-6.1% YoY
+3.1% QoQ
|
-$29.7M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.9% in tier |
| Return on Assets ? |
1.10%
-14.2% YoY
-17.7% QoQ
|
+0.10% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.84%
-10.5% YoY
+2.0% QoQ
|
-0.07% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
66.95%
+1.6% YoY
+6.3% QoQ
|
-52.44% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
9.05%
+210.8% YoY
-8.8% QoQ
|
+7.57% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.3% in tier |
| Loan-to-Deposit Ratio ? |
42.77%
-7.9% YoY
-3.8% QoQ
|
-31.44% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
35.01%
+15.5% YoY
+21.7% QoQ
|
+11.52% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 14.6% in tier |
| Nonperforming Asset Ratio ? |
2.38%
+179.8% YoY
-11.5% QoQ
|
+1.55% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.8% in tier |
| Tier 1 Capital Ratio ? |
38.46%
+5.9% YoY
+3.2% QoQ
|
+11.33% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Top 12.1% in tier |
| Non-Interest Income / Assets ? |
0.11%
+23.7% YoY
+85.9% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.0%
+4.7pp YoY +6.3pp QoQ |
+10.4pp | 24.6% | 21.9% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.9%
-0.4pp YoY +0.1pp QoQ |
-4.5pp | 13.4% | 14.6% | 12.5% | 46% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
0.6%
0.0pp YoY 0.0pp QoQ |
-34.4pp | 35.0% | 29.4% | 31.3% | 4% |
| Consumer |
1.1%
-0.1pp YoY +0.1pp QoQ |
-6.6pp | 7.7% | 4.5% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
38.5%
+2.1pp YoY +1.2pp QoQ |
+20.8pp | 17.7% | 11.0% | 12.6% | 95% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 55 | 482 | 20% |
| Assets per Employee ($) |
$5.1M
-4.0% YoY +2.2% QoQ |
-$1.1M | $6.2M | $8.6M | $8.8M | 37% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
-0.9pp QoQ |
-0.4pp | 1.0% | 0.4% | 0.4% | 56% |
| Nonaccrual |
8.5%
+5.6pp YoY 0.0pp QoQ |
+6.7pp | 1.7% | 1.0% | 1.0% | 97% |
| Allowance Coverage |
0.47x
-62.6% YoY +10.9% QoQ |
-5.94x | 6.41x | 20.41x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.2% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.9%
-0.7pp YoY -0.6pp QoQ |
-3.5pp | 6.4% | 13.1% | 11.6% | 24% |
| Cost of Funds (YTD) |
0.5%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.4% | 1.7% | 1.7% | 6% |
| Net Income ($, YTD) |
$196,000
-19.3% YoY — QoQ |
-$122K | $317,817 | $4.5M | $40.4M | 36% |
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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.