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
Unfavorable gap of $1.0M · efficiency ratio beats 43% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.70% | 1.03% | 1.34% | Beats 46% | 81 / 151 | |
| Return on Equity | 7.37% | 6.74% | 9.34% | 12.94% | Beats 30% | 105 / 151 | |
| Net Interest Margin | 3.83% | 3.02% | 3.43% | 3.83% | Beats 75% | 38 / 151 | |
| Efficiency Ratio | 66.30% | 54.64% | 64.89% | 72.50% | Beats 43% | 87 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.66% | 1.77% | Beats 52% | 72 / 149 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.02% | 0.07% | Beats 21% | 119 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 14.33% | 11.83% | 14.17% | 18.66% | Beats 52% | 72 / 151 | |
| Total Risk-Based Capital Ratio | 14.33% | 12.22% | 14.54% | 19.92% | Beats 48% | 79 / 151 | |
| Equity / Assets | 13.72% | 9.10% | 10.65% | 12.40% | Beats 83% | 25 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 67.03% | 54.39% | 71.02% | 80.75% | 42nd pctl | 87 / 149 | |
| Loans / Assets | 56.82% | 45.91% | 61.31% | 68.01% | 42nd pctl | 87 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |