The First National Bank of Fairfax: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Fairfax of Fairfax, MN against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 3.13% | -2.26% | 42nd below |
| ROAE | 2.27% | 10.31% | -8.04% | 21st bottom |
| Net Interest Margin | 3.98% | 3.94% | +0.04% | 56th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.28% | 76.32% | -6.04% | 49th below |
| PPNR / Avg Assets | 1.19% | 1.40% | -0.21% | 48th below |
| Yield on Earning Assets | 4.44% | 5.35% | -0.91% | 21st bottom |
| Cost of Funds | 0.73% | 1.70% | -0.97% | 90th top |
| Net Interest Spread | 3.35% | 3.32% | +0.03% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 16.24% | 1.32% | +14.92% | 1st bottom |
| NPA / Total Assets | 4.45% | 0.71% | +3.74% | 3rd bottom |
| NCO / Avg Loans | -0.04% | 0.10% | -0.14% | 90th top |
| ACL / Total Loans | 4.06% | 1.49% | +2.57% | 97th top |
| ACL / NPLs (Coverage) | 25.00% | 866.39% | -841.39% | 5th bottom |
| Texas Ratio | 11.73% | 8.26% | +3.47% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 38.46% | 17.62% | +20.84% | 89th top |
| Equity / Assets | 38.18% | 16.43% | +21.75% | 89th top |
| TCE / Tangible Assets | 38.18% | 16.17% | +22.01% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.58% | 72.86% | -28.28% | 78th top |
| Core Deposit Ratio | 100.00% | 88.26% | +11.74% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.99% | 4.27% | -8.26% | 15th bottom |
| Loan Growth (Y/Y) | -13.05% | 6.77% | -19.82% | 5th bottom |
| Deposit Growth (Y/Y) | -6.12% | 3.73% | -9.85% | 11th bottom |
See The First National Bank of Fairfax's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Fairfax, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Fairfax profile, how to read a UBPR, or how this data updates.