Fairfax State Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 15.20 percentage points lower than in Q1 2026, at 20.60%. Within Iowa, Fairfax State Savings Bank is 167th of 225 on loan-to-deposit ratio, 68.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fairfax State Savings Bank sits 11.90 points lower, at 68.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $158.2M |
| Net loans and leases | $156.1M |
| Loans held for sale | $0 |
| Loans to total assets | 55.14% |
| Loan-to-deposit ratio | 68.94% |
| Net loans to equity capital | 8.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.87% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 25.67% |
| Consumer | 4.31% |
| Credit cards | 0.00% |
| Farm | 7.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.55% |
| Construction concentration (Tier 1 capital + allowance) | 20.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.71% |
| Interest income on loans | $2.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $145.3M | $202.1M | 23.47% | 26.57% | 3.96% |
| Q4 2023 | $146.5M | $202.8M | 23.51% | 26.13% | 3.98% |
| Q1 2024 | $149.6M | $219.9M | 23.83% | 25.71% | 4.00% |
| Q2 2024 | $151.3M | $215.4M | 23.67% | 26.52% | 4.19% |
| Q3 2024 | $148.3M | $216.4M | 22.85% | 27.18% | 4.27% |
| Q4 2024 | $152.9M | $219.3M | 21.63% | 27.74% | 4.17% |
| Q1 2025 | $155.8M | $228.9M | 21.58% | 27.41% | 4.22% |
| Q2 2025 | $155.8M | $229.7M | 22.04% | 27.24% | 4.39% |
| Q3 2025 | $153.1M | $226.0M | 21.64% | 26.39% | 4.42% |
| Q4 2025 | $158.0M | $234.2M | 20.76% | 27.16% | 4.28% |
| Q1 2026 | $157.7M | $245.5M | 21.90% | 26.63% | 4.25% |
| Q2 2026 | $158.2M | $229.5M | 24.87% | 25.67% | 4.31% |
Fairfax State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfax State Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fairfax State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8083) · FFIEC NIC profile (RSSD 682648)