BlastPoint's Banking Scorecard

The First National Bank of Fairfax

under $100M Specialty: Agricultural MN FDIC cert 5142

Designations: ✓ Community bank

Fairfax, MN

541 banks in the under $100M peer group nationally 55 in MN

The First National Bank of Fairfax has 2 strengths but faces 3 concerns

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

+ ROA 0.50% above tier average
+ Efficiency Ratio 25.34% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 8.55% above tier average
- Nonperforming Asset Ratio 1.90% above tier average
- Net Interest Margin 0.09% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$34.9M -7.7% YoY -3.8% QoQ	-$27.3M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$9.5M -23.5% YoY -4.7% QoQ	-$24.8M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 10.2% in tier
Total Deposits ?	$21.3M -11.9% YoY -6.7% QoQ	-$30.5M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 10.7% in tier
Return on Assets ?	1.34% +4.8% YoY +14.5% QoQ	+0.50%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	3.77% -9.5% YoY -11.7% QoQ	-0.09%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	63.01% -4.4% YoY -8.9% QoQ	-25.34%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	9.92% +282.2% YoY +122.4% QoQ	+8.55%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 1.9% in tier
Loan-to-Deposit Ratio ?	44.47% -13.1% YoY +2.2% QoQ	-19.75%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	28.76% -10.9% YoY -8.6% QoQ	+5.04%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	2.69% +216.8% YoY +120.4% QoQ	+1.90%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 6.5% in tier
Tier 1 Capital Ratio ?	37.26% +4.6% YoY +3.8% QoQ	+10.58%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 12.2% in tier
Non-Interest Income / Assets ?	0.06% +35.4% YoY -69.4% QoQ	-0.61%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	47%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 37.26%

Peer Median: 26.68%

#67 of 541 Top 12.2% in under $100M

136

Loan-to-Deposit Ratio

liquidity

Value: 44.47%

Peer Median: 64.22%

#136 of 541 Top 25.0% in under $100M

Top Weaknesses (5 metrics)

512

Delinquency Rate

credit_quality

Value: 9.92%

Peer Median: 1.37%

#512 of 521 Bottom 1.9% in under $100M

507

Nonperforming Asset Ratio

credit_quality

Value: 2.69%

Peer Median: 0.79%

#507 of 541 Bottom 6.5% in under $100M

487

Total Loans

size

Value: $9.46M

Peer Median: $34.25M

#487 of 541 Bottom 10.2% in under $100M

484

Total Deposits

size

Value: $21.28M

Peer Median: $51.74M

#484 of 541 Bottom 10.7% in under $100M

456

Total Assets

size

Value: $34.88M

Peer Median: $62.16M

#456 of 541 Bottom 15.9% in under $100M