First National Bank of Fairfax, The
Fairfax, MN · Cert 5142 · Peer group: banks under $1B in assets in MN (n=111-113) · Fort Ridgely Natl Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
$35.6MAssets
$9.8MLoans
$21.9MDeposits
$13.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in MN (rank 110 of 111).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.03%
Rank 71 of 113
Net Interest Margin
3.77%
Rank 65 of 113
Efficiency Ratio
66.95%
Rank 79 of 113
Equity / Assets
38.18%
Rank 3 of 113
Non-interest income vs. expense
Unfavorable gap of $868K · efficiency ratio beats 31% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.87% | 1.20% | 1.41% | Beats 37% | 71 / 113 | |
| Return on Equity | 2.69% | 8.92% | 11.27% | 13.99% | Beats 7% | 105 / 113 | |
| Net Interest Margin | 3.77% | 3.42% | 3.88% | 4.31% | Beats 42% | 65 / 113 | |
| Efficiency Ratio | 66.95% | 54.13% | 61.48% | 69.86% | Beats 31% | 79 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.68% | 0.09% | 0.58% | 1.82% | Beats 2% | 110 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 38.46% | 11.53% | 13.31% | 18.13% | Beats 94% | 7 / 113 | |
| Total Risk-Based Capital Ratio | 38.46% | 12.12% | 14.43% | 19.39% | Beats 94% | 7 / 113 | |
| Equity / Assets | 38.18% | 8.52% | 10.10% | 11.94% | Beats 97% | 3 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 44.58% | 62.08% | 77.32% | 88.06% | 7th pctl | 103 / 111 | |
| Loans / Assets | 27.43% | 55.01% | 66.35% | 75.50% | 4th pctl | 109 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |