The First National Bank of Fairfax: 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.
Loan-to-deposit ratio dropped 1.75 percentage points in Q2 2026, from 46.33% to 44.58%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Fairfax is 14th from the bottom among 221 Minnesota banks, 44.58% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Fairfax sits 23.05 points lower, at 44.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.8M |
| Net loans and leases | $9.4M |
| Loans held for sale | $0 |
| Loans to total assets | 27.43% |
| Loan-to-deposit ratio | 44.58% |
| Net loans to equity capital | 0.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.52% |
| Consumer | 1.02% |
| Credit cards | 0.00% |
| Farm | 17.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.54% |
| Construction concentration (Tier 1 capital + allowance) | 20.21% |
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 | 5.68% |
| Interest income on loans | $140K |
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 | $15.1M | $22.4M | 1.02% | 6.60% | 0.42% |
| Q4 2023 | $15.1M | $23.8M | 0.96% | 10.40% | 0.45% |
| Q1 2024 | $15.2M | $23.6M | 0.84% | 9.83% | 0.64% |
| Q2 2024 | $14.6M | $23.0M | 0.83% | 9.18% | 0.58% |
| Q3 2024 | $14.7M | $23.6M | 0.40% | 8.93% | 0.78% |
| Q4 2024 | $15.5M | $25.2M | 0.38% | 6.69% | 1.15% |
| Q1 2025 | $12.8M | $24.2M | 0.46% | 7.62% | 0.71% |
| Q2 2025 | $11.2M | $23.4M | 0.47% | 8.96% | 1.16% |
| Q3 2025 | $11.0M | $22.9M | 0.48% | 8.89% | 1.11% |
| Q4 2025 | $10.3M | $22.8M | 0.51% | 7.96% | 1.06% |
| Q1 2026 | $9.9M | $21.3M | 0.54% | 8.42% | 0.94% |
| Q2 2026 | $9.8M | $21.9M | 0.48% | 8.52% | 1.02% |
The First National Bank of Fairfax loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fairfax, 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 The First National Bank of Fairfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5142) · FFIEC NIC profile (RSSD 938354)