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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 $2.0MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $30.6M12%Noninterest $4.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.81%1.15%1.84%1.58%1.43%1.12%1.00%-85 bps
Return on Equity6.19%6.43%8.71%13.75%11.87%10.82%8.53%7.49%-626 bps
Net Interest Margin3.57%3.53%3.71%4.96%4.59%4.08%3.74%3.83%-113 bps
Efficiency Ratio67.31%67.94%60.00%50.30%53.71%56.81%63.99%66.30%+1,600 bps
Non-Interest Burden2.36%2.35%2.09%2.38%2.37%2.24%2.33%2.48%+10 bps
Growth
Asset Growth (YoY)4.22%1.84%-5.01%0.73%9.15%15.23%10.77%10.49%+976 bps
Loan Growth (YoY)0.61%1.92%-2.04%2.36%-0.42%3.36%1.42%-0.15%-251 bps
Deposit Growth (YoY)3.73%0.98%-6.98%-1.05%8.55%14.98%10.42%10.42%+1,147 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.36%0.41%0.71%1.10%1.21%0.70%0.61%-11 bps
Net Charge-Offs / Loans0.53%0.42%0.21%0.09%0.09%0.06%0.00%0.16%+7 bps
Allowance / Loans0.80%0.79%0.80%0.91%0.90%0.84%0.87%0.90%-1 bps
Allowance Coverage of NPLs2.1x2.2x2.0x1.3x0.8x0.7x1.2x1.5x+0.2x
Capital
Tier 1 Leverage Ratio13.77%13.63%14.05%14.41%14.77%13.62%13.83%14.33%-8 bps
Total Risk-Based Capital13.77%13.63%14.05%14.41%14.77%13.62%13.83%14.33%-8 bps
Equity / Assets12.98%12.89%13.43%13.88%13.16%12.74%13.51%13.72%-17 bps
Liquidity & Funding
Loans / Deposits72.31%73.72%74.04%74.13%66.33%66.27%68.00%67.03%-710 bps
Liquid Assets / Assets5.79%5.91%4.49%2.70%12.70%12.00%7.24%2.81%+11 bps
CRE / Total Capitaln/an/an/an/a19.81%19.23%18.55%n/an/a