FIRST NATIONAL BANK OF FAIRFAX, THE

FAIRFAX, MN | Micro | Est. Jan. 1, 1910, midnight | FDIC #5142 | RSSD #938354 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF FAIRFAX, THE is amn micro FDIC-insured commercial bank headquartered in FAIRFAX, MN, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $36M and total deposits of $23M. Profitability stands at 0.66% ROA and 1.77% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 36.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.92% and a Texas Ratio of 2.18%. FDIC Certificate #5142.

Assets

$36M

Deposits

$23M

Loans

$10M

Equity

$13M

Profitability

Return on Assets (ROA) 0.66%
Return on Equity (ROE) 1.77%
Net Interest Margin (NIM) 4.45%
Yield on Assets 4.96%
Cost of Funds 1.10%

Asset Quality

NPL Ratio 2.92%
Net Charge-Off Ratio -0.02%
Texas Ratio 2.18%
NPA Ratio 0.83%
ACL / Loans 3.84%

Capital & Liquidity

CET1 Ratio 36.98%
Tier 1 Capital 36.98%
Total Capital Ratio 38.83%
Leverage Ratio 35.90%
Loan-to-Deposit 45.25%

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