Fairfax State Savings Bank
Fairfax, IA · Cert 8083 · Peer group: banks under $1B in assets (n=581-629) · Vanderbilt Holding Co. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$287.0MAssets
$158.2MLoans
$229.5MDeposits
$19.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of banks under $1B in assets (rank 229 of 581).
- Widest gap: equity / assets trails 97% of banks under $1B in assets (rank 607 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.58%
Rank 482 of 629
Net Interest Margin
2.42%
Rank 578 of 629
Efficiency Ratio
67.79%
Rank 315 of 629
Equity / Assets
6.64%
Rank 607 of 629
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 50% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.60% | 1.01% | 1.45% | Beats 23% | 482 / 629 | | |
| Return on Equity | 8.72% | 5.38% | 9.30% | 13.28% | Beats 45% | 347 / 629 | | |
| Net Interest Margin | 2.42% | 3.03% | 3.54% | 4.05% | Beats 8% | 578 / 629 | | |
| Efficiency Ratio | 67.79% | 58.35% | 67.79% | 79.08% | Beats 50% | 315 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.46% | 1.20% | Beats 61% | 229 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 260 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.46% | 11.24% | 13.84% | 18.77% | Beats 5% | 595 / 629 | | |
| Total Risk-Based Capital Ratio | 9.46% | 11.58% | 14.43% | 19.66% | Beats 5% | 596 / 629 | | |
| Equity / Assets | 6.64% | 9.09% | 10.65% | 13.80% | Beats 3% | 607 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.94% | 67.24% | 80.90% | 93.48% | 28th pctl | 426 / 594 | | |
| Loans / Assets | 55.14% | 53.31% | 67.71% | 78.15% | 27th pctl | 458 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |