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Fairfax State Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 8083

Fairfax, IA

3 branches across IA

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 167 in IA.
  • Deposits -0.1% year over year ($229.5M on the books).
  • Delinquency rate 0.25%.
  • Return on assets 0.73%.
  • Efficiency ratio 67.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.03% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Fairfax State Savings Bank has 1 strength but faces 6 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

  • + Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 9.3% in tier
  • - Credit Quality Pressure: Bottom 34.8% in tier
  • - Capital Thin: Bottom 39.5% in tier
  • - Net Interest Margin 1.31% below tier average
  • - ROA 0.59% below tier average
  • - Efficiency Ratio 3.31% above tier average
Get updates when Fairfax State Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $287.0M
+6.1% YoY -0.2% QoQ
-$99.6M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $156.1M
+1.5% YoY +0.2% QoQ
-$102.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $229.5M
-0.1% YoY -6.5% QoQ
-$97.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.73%
+48.6% YoY +23.3% QoQ
-0.59% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 2.68%
+4.8% YoY +9.3% QoQ
-1.31% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 4.6% in tier
Efficiency Ratio ? 67.79%
-7.3% YoY -8.0% QoQ
+3.31% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.25%
+13.3% QoQ
-0.67% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 68.03%
+1.5% YoY +7.2% QoQ
-9.92% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 14.82%
-4.7% YoY +3.2% QoQ
-7.21% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.86%
-11.9% YoY +2.2% QoQ
+0.19% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 9.46%
-1.2% YoY -0.8% QoQ
-6.45% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 4.5% in tier
Non-Interest Income / Assets ? 0.11%
+77.4% YoY +110.9% QoQ
-0.45% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
23%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 14.8%
-0.7pp YoY
+0.5pp QoQ
 -7.3pp 22.1% 17.8% 22.2% 23%
Brokered Deposits 3.7%
+0.2pp QoQ
 -4.1pp 7.9% 6.0% 8.5% 44%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 26.0%
-1.6pp YoY
-0.9pp QoQ
 +14.5pp 11.6% 12.8% 12.5% 94%
CRE 32.7%
+2.3pp YoY
+0.2pp QoQ
 -6.8pp 39.5% 28.3% 41.4% 40%
1-4 Family 22.4%
+0.1pp YoY
+0.8pp QoQ
 -10.2pp 32.6% 23.0% 31.3% 35%
Consumer 4.4%
-0.1pp YoY
+0.1pp QoQ
 +0.3pp 4.1% 2.9% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 9.5%
-0.1pp YoY
-0.1pp QoQ
 -2.7pp 12.2% 12.4% 12.6% 20%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 27
0 YoY
+1 (+3.8%) QoQ
 -32 58 64 482 22%
Assets per Employee ($) $10.6M
+6.1% YoY
-3.9% QoQ
 +$3.1M $7.5M $8.9M $8.8M 89%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
+0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 34%
Allowance Coverage 5.30x
-96.0% YoY
-1.7% QoQ
 -18.85x 24.15x 18.97x 20.23x 72%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.2%
+1.8pp YoY
+2.0pp QoQ
 -1.0pp 12.2% 12.8% 11.6% 45%
Cost of Funds (YTD) 2.5%
-0.1pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.8% 1.7% 89%
Net Income ($, YTD) $1.0M
+59.2% YoY
— QoQ
 -$1.5M $2.6M $4.0M $40.4M 28%

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 (3)

Credit Risk Growth

risk
#88 of 936 • Bottom 9.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#438 of 1256 • Bottom 34.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.25%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Capital Thin

risk
#262 of 661 • Bottom 39.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.46%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2525
Tier 1 Capital Ratio
capital
Value: 9.46%
Peer Median: 15.91%
#2525 of 2643 Bottom 4.5% in $100M-$1B
2523
Net Interest Margin
profitability
Value: 2.68%
Peer Median: 3.99%
#2523 of 2643 Bottom 4.6% in $100M-$1B
2110
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.32%
#2110 of 2643 Bottom 20.2% in $100M-$1B
2046
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2046 of 2643 Bottom 22.6% in $100M-$1B
2018
Non-Interest-Bearing Deposit Share
funding
Value: 14.82%
Peer Median: 22.03%
#2018 of 2643 Bottom 23.7% in $100M-$1B
1998
Nonperforming Asset Ratio
credit_quality
Value: 0.86%
Peer Median: 0.67%
#1998 of 2643 Bottom 24.4% in $100M-$1B
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