Fairfax State Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 301.13 percentage points lower than in Q1 2026, at 237.95%. Fairfax State Savings Bank ranks 195th of 225 Iowa banks on return on assets, in the lower half at 0.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Fairfax State Savings Bank sits 0.42 points lower, at 0.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.46% |
| Equity capital to assets | 6.64% |
| Tangible equity to tangible assets | 6.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | -0.17% |
| Texas ratio | 13.92% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 237.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 13.54% |
| Net interest margin | 2.80% |
| Efficiency ratio | 61.52% |
| Yield on earning assets | 5.17% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.94% |
| Core deposits to total deposits | 74.82% |
| Brokered deposits to total deposits | 3.72% |
| Deposits to assets | 79.98% |
| Securities to assets | 39.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.44% | 0.23% | 2.00% | 1.92% | -0.05% |
| Q4 2023 | 9.73% | 1.43% | 1.96% | 0.86% | -0.34% |
| Q1 2024 | 9.02% | 0.32% | 1.88% | 0.84% | -0.02% |
| Q2 2024 | 9.04% | 0.25% | 1.79% | 1.99% | -0.02% |
| Q3 2024 | 9.18% | 0.27% | 1.95% | 0.11% | 0.83% |
| Q4 2024 | 9.56% | 0.53% | 2.31% | 0.10% | -0.02% |
| Q1 2025 | 9.56% | 0.42% | 2.44% | 0.00% | 0.16% |
| Q2 2025 | 9.58% | 0.52% | 2.50% | 0.01% | -0.05% |
| Q3 2025 | 9.71% | 0.66% | 2.49% | 0.33% | -0.03% |
| Q4 2025 | 9.57% | 0.64% | 2.49% | 0.18% | 0.61% |
| Q1 2026 | 9.53% | 0.58% | 2.42% | 0.22% | -0.00% |
| Q2 2026 | 9.46% | 0.83% | 2.80% | 0.56% | -0.17% |
Fairfax State Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfax State Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)