Fairview State Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Fairview State Banking Company is an FDIC-insured commercial bank headquartered in Fairview, IL, established in 1915 (FDIC certificate 11731), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $40.9M, up 10.5% from Q2 2025, the 300th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11731
- Headquarters
- Fairview, IL
- Established
- 1915
- Total assets, Q2 2026
- $40.9M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 14.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071112901
- Latest call report
- Q2 2026, FFIEC 041 · Fairview State Banking Company call report
- Holding company
- FSB HOLDINGS, INC.
- Asset rank in state
- 300th of 319 in Illinois
Fairview State Banking Company, based in Fairview, Illinois, reported $41 million in assets at June 30, 2026, up 10.5% from a year earlier. It grew deposits 10.4% over the year, 4.2 times the median of 2.5% for the 583 banks with less than $100 million in assets.
Earnings fell sharply: quarterly net income of $90,000 was 62% below a year earlier. Over the same year, loans shrank 0.2% and deposits grew 10.4%.
As of June 30, 2026, Fairview State Banking Company reported a return on assets of 0.88%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fairview State Banking Company is the 300th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $40.9M, loans fell 1.4% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.2% of total loans, followed by farmland and other real estate loans at 28.5%. Its one office in the FDIC Summary of Deposits is in Fairview, IL. By the capital ratios in its Q2 2026 call report, Fairview State Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 420 Carter St, Fairview, IL 61432
- County
- Fulton
- Metro Area
- Canton, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 1, 1915
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $34.7M
- Allowance for credit losses
- $209K
- Net charge-offs (YTD)
- $19K
- Average total assets
- $40.9M
- Average total loans
- $23.4M
- Average interest-bearing deposits
- $29.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11731
- Fed RSSD
- 601032
- Website
- http://www.fairviewstate.com →
- Parent Holding Company
- FSB HOLDINGS, INC. (RSSD 5399576)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fairview State Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fairview State Banking Company's total assets ran between $35.7M (Q3 2023) and $42.9M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$40.9M total assets against $37.1M; $35.3M total liabilities against $31.9M.
$23.1M net loans and leases against $23.1M; $34.7M total deposits against $31.4M.
$10.4M securities against $7.3M; $4.8M cash and balances due against $4.0M.
$493K total interest income against $704K; $102K total interest expense against $108K.
$391K net interest income against $596K.
$17K total noninterest income against $12K; $280K total noninterest expense against $269K.
$17K provision for credit losses against $25K.
$90K net income against $235K.
0.88% return on assets against 2.47%; 4.29% net interest margin against 7.19%.
14.33% tier 1 leverage ratio against 14.41%.
Inside the full Fairview State Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q3 2024) to 2.47% (Q2 2025) and its net interest margin ran from 4.08% (Q3 2024) to 7.19% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.33% | 0.88% | 0.61% | 2.42% | 4.29% |
| Q1 2026 | 13.83% | 1.12% | 0.70% | 2.89% | 4.22% |
| Q4 2025 | 13.62% | 1.02% | 1.21% | 5.22% | 4.32% |
| Q3 2025 | 14.77% | 1.15% | 1.10% | 4.56% | 4.32% |
| Q2 2025 | 14.41% | 2.47% | 0.71% | 3.10% | 7.19% |
| Q1 2025 | 14.05% | 1.13% | 0.41% | 1.85% | 4.36% |
| Q4 2024 | 13.63% | 0.89% | 0.36% | 1.73% | 4.14% |
| Q3 2024 | 13.77% | 0.27% | 0.37% | 2.22% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fairview State Banking Company (main office) | Fairview , IL | 61432 | $34.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 353 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fairview State Banking Company
What are Fairview State Banking Company's total assets?
As of the Q2 2026 filing, Fairview State Banking Company reported total assets of $40.9 million in its FFIEC call report.
Where is Fairview State Banking Company headquartered?
It is headquartered in Fairview, IL, United States.
When was Fairview State Banking Company founded?
It was established in 1915, per the FDIC institution directory.
Is Fairview State Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11731). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fairview State Banking Company?
Fairview State Banking Company's primary federal regulator is the FDIC.
How many branches does Fairview State Banking Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fairview State Banking Company's Texas Ratio?
Its Texas Ratio is 2.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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