Fairview State Banking Company: 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: 10.53 percentage points higher than in Q1 2026, at 78.87%. Fairview State Banking Company ranks 222nd of 323 Illinois banks on return on assets, in the lower half at 0.88% (Q2 2026). Fairview State Banking Company reported 0.88% on return on assets for Q2 2026, 0.10 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.33% |
| Equity capital to assets | 13.72% |
| Tangible equity to tangible assets | 13.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.14% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.32% |
| Texas ratio | 4.62% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 78.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 6.48% |
| Net interest margin | 4.29% |
| Efficiency ratio | 67.79% |
| Yield on earning assets | 5.40% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.03% |
| Core deposits to total deposits | 89.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.76% |
| Securities to assets | 25.36% |
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 | 14.29% | 0.98% | 4.03% | 4.14% | 0.05% |
| Q4 2023 | 13.49% | 0.84% | 4.11% | 4.16% | -0.02% |
| Q1 2024 | 13.85% | 1.02% | 4.05% | 3.94% | 0.02% |
| Q2 2024 | 13.65% | 1.03% | 3.99% | 4.06% | -0.02% |
| Q3 2024 | 13.77% | 0.27% | 4.08% | 0.98% | 1.58% |
| Q4 2024 | 13.63% | 0.89% | 4.14% | 1.09% | 0.16% |
| Q1 2025 | 14.05% | 1.13% | 4.36% | 0.94% | 0.21% |
| Q2 2025 | 14.41% | 2.47% | 7.19% | 1.00% | -0.02% |
| Q3 2025 | 14.77% | 1.15% | 4.32% | 1.38% | 0.07% |
| Q4 2025 | 13.62% | 1.02% | 4.32% | 1.40% | 0.00% |
| Q1 2026 | 13.83% | 1.12% | 4.22% | 1.27% | 0.00% |
| Q2 2026 | 14.33% | 0.88% | 4.29% | 1.14% | 0.32% |
Fairview State Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairview State Banking Company, 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 Fairview State Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11731) · FFIEC NIC profile (RSSD 601032)