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Fairview State Banking Company

Fairview, IL · Cert 11731 · FSB Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fairview State Banking Company

Fairview, IL · Cert 11731 · FSB Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$40.9MAssets
$23.3MLoans
$34.7MDeposits
$5.6MEquity
Loan mix
78%RE $16.4M12%C&I $2.6M10%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $30.6M12%Noninterest $4.1MQ2 2025Q2 2026

NIM

4.72%Q2 ’246.12%Q2 ’254.85%Q2 ’26+39%-23%

Non-interest income vs. expense

2.43%Q2 ’242.61%Q2 ’252.65%Q2 ’26+5%+4%

Executive Summary

  • Earnings: ROA of 1.00%, down 85 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.61% of loans (-11 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 14.33%, down 8 bps from a year ago.
  • Funding: loans stand at 67.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%-85 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-113 bps YoY

Efficiency Ratio (YTD, annualized)

66.30%+1,600 bps YoY

Tier 1 Leverage Ratio

14.33%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.58%1.43%1.12%1.00%-85 bps
Return on Equity13.75%11.87%10.82%8.53%7.49%-626 bps
Net Interest Margin4.96%4.59%4.08%3.74%3.83%-113 bps
Efficiency Ratio50.30%53.71%56.81%63.99%66.30%+1,600 bps
Non-Interest Burden2.38%2.37%2.24%2.33%2.48%+10 bps
Growth
Asset Growth (YoY)0.73%9.15%15.23%10.77%10.49%+976 bps
Loan Growth (YoY)2.36%-0.42%3.36%1.42%-0.15%-251 bps
Deposit Growth (YoY)-1.05%8.55%14.98%10.42%10.42%+1,147 bps
Asset Quality
Nonperforming Loans / Loans0.71%1.10%1.21%0.70%0.61%-11 bps
Net Charge-Offs / Loans0.09%0.09%0.06%0.00%0.16%+7 bps
Allowance / Loans0.91%0.90%0.84%0.87%0.90%-1 bps
Allowance Coverage of NPLs1.3x0.8x0.7x1.2x1.5x+0.2x
Capital
Tier 1 Leverage Ratio14.41%14.77%13.62%13.83%14.33%-8 bps
Total Risk-Based Capital14.41%14.77%13.62%13.83%14.33%-8 bps
Equity / Assets13.88%13.16%12.74%13.51%13.72%-17 bps
Liquidity & Funding
Loans / Deposits74.13%66.33%66.27%68.00%67.03%-710 bps
Liquid Assets / Assets2.70%12.70%12.00%7.24%2.81%+11 bps
CRE / Total Capitaln/a19.81%19.23%18.55%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fairview State Banking Company

Fairview, IL · Cert 11731 · Peer group: banks under $1B in assets in IL (n=149-151) · FSB Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$40.9MAssets
$23.3MLoans
$34.7MDeposits
$5.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks under $1B in assets in IL (rank 25 of 151).
  • Widest gap: net charge-offs / loans trails 79% of banks under $1B in assets in IL (rank 119 of 149).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.01%

Rank 81 of 151

Net Interest Margin

3.83%

Rank 38 of 151

Efficiency Ratio

66.30%

Rank 87 of 151

Equity / Assets

13.72%

Rank 25 of 151

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 43% of banks under $1B in assets in IL
Bank 66.30%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.70%1.03%1.34%Beats 46%81 / 151
Return on Equity7.37%6.74%9.34%12.94%Beats 30%105 / 151
Net Interest Margin3.83%3.02%3.43%3.83%Beats 75%38 / 151
Efficiency Ratio66.30%54.64%64.89%72.50%Beats 43%87 / 151
Asset Quality
Nonperforming Loans / Loans0.61%0.20%0.66%1.77%Beats 52%72 / 149
Net Charge-Offs / Loans0.09%0.00%0.02%0.07%Beats 21%119 / 149
Capital
Tier 1 Capital Ratio14.33%11.83%14.17%18.66%Beats 52%72 / 151
Total Risk-Based Capital Ratio14.33%12.22%14.54%19.92%Beats 48%79 / 151
Equity / Assets13.72%9.10%10.65%12.40%Beats 83%25 / 151
Liquidity & Funding
Loans / Deposits67.03%54.39%71.02%80.75%42nd pctl87 / 149
Loans / Assets56.82%45.91%61.31%68.01%42nd pctl87 / 151
Brokered Deposits / Depositsn/aNot reported for this institution