BlastPoint's Banking Scorecard

Fairfax State Savings Bank

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

Fairfax, IA

3 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Fairfax State Savings Bank has 1 strength but faces 7 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 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.9% in tier
- Credit Quality Pressure: Bottom 31.2% in tier
- Capital Thin: Bottom 47.3% in tier
- NIB Deposit Bleed: Bottom 65.2% in tier
- Net Interest Margin 1.48% below tier average
- ROA 0.67% below tier average
- Efficiency Ratio 8.38% above tier average

Get updates when Fairfax State Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$287.6M +7.5% YoY +3.7% QoQ	-$98.5M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$155.8M +1.2% YoY -0.3% QoQ	-$99.9M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$245.5M +7.3% YoY +4.8% QoQ	-$82.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	0.59% +34.6% YoY +0.8% QoQ	-0.67%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	2.45% -3.5% YoY -4.9% QoQ	-1.48%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 2.8% in tier
Efficiency Ratio ?	73.66% +5.1% YoY +1.6% QoQ	+8.38%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	0.22% +19.5% QoQ	-0.66%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	63.47% -5.6% YoY -4.9% QoQ	-13.17%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	14.36% -15.1% YoY -8.0% QoQ	-7.66%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.84% -17.4% YoY -1.3% QoQ	+0.20%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	9.53% -0.2% YoY -0.3% QoQ	-6.30%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 4.9% in tier
Non-Interest Income / Assets ?	0.05% +58.2% YoY -73.4% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	21%

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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 (4)

Credit Risk Growth

risk

#68 of 973 • Bottom 6.9% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#409 of 1308 • Bottom 31.2% in tier

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

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Capital Thin

risk

#316 of 666 • Bottom 47.3% 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: 9.53%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#130 of 198 • Bottom 65.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.36%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

614

Loan-to-Deposit Ratio

liquidity

Value: 63.47%

Peer Median: 76.64%

#614 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (7 metrics)

2590

Net Interest Margin

profitability

Value: 2.45%

Peer Median: 3.93%

#2590 of 2664 Bottom 2.8% in $100M-$1B

2535

Tier 1 Capital Ratio

capital

Value: 9.53%

Peer Median: 15.83%

#2535 of 2664 Bottom 4.9% in $100M-$1B

2240

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.27%

#2240 of 2664 Bottom 16.0% in $100M-$1B

2097

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2097 of 2664 Bottom 21.3% in $100M-$1B

2086

Non-Interest-Bearing Deposit Share

funding

Value: 14.36%

Peer Median: 22.02%

#2086 of 2664 Bottom 21.7% in $100M-$1B

2015

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2015 of 2664 Bottom 24.4% in $100M-$1B

2004

Efficiency Ratio

profitability

Value: 73.66%

Peer Median: 65.29%

#2004 of 2664 Bottom 24.8% in $100M-$1B