The First National Bank of Fairfax: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Non-performing loans to total loans climbed 8.16 percentage points in Q2 2026, from 8.08% to 16.24%. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $794K |
| Modified loans to total loans | 8.12% |
| Non-performing assets excluding restructured loans, to assets | 2.23% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 16.24% |
| Nonaccrual loans to loans | 8.12% |
| Loans 90+ days past due to loans | 0.56% |
| Net charge-off ratio | -0.04% |
| Allowance for credit losses to loans | 4.06% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.00% | 3.56% | -0.03% |
| Q4 2023 | 0.00% | 2.39% | 0.70% |
| Q1 2024 | 0.00% | 4.66% | -0.05% |
| Q2 2024 | 2.36% | 4.73% | -0.03% |
| Q3 2024 | 2.30% | 4.61% | -0.03% |
| Q4 2024 | 2.14% | 4.28% | -0.03% |
| Q1 2025 | 0.00% | 2.52% | 0.00% |
| Q2 2025 | 2.81% | 5.62% | -0.03% |
| Q3 2025 | 2.80% | 5.60% | -0.04% |
| Q4 2025 | 0.00% | 2.92% | 0.00% |
| Q1 2026 | 0.00% | 8.08% | 0.00% |
| Q2 2026 | 8.12% | 16.24% | -0.04% |
The First National Bank of Fairfax loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fairfax, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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.
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