The First National Bank of Fairfax: 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: 24.69 percentage points lower than in Q1 2026, at 25.00%. The First National Bank of Fairfax ranks 184th of 221 Minnesota banks on return on assets, in the lower half at 0.87% (Q2 2026). The First National Bank of Fairfax reported 0.87% on return on assets for Q2 2026, 0.11 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 | 38.46% |
| Equity capital to assets | 38.18% |
| Tangible equity to tangible assets | 38.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 16.24% |
| Non-performing assets ratio | 4.45% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 11.73% |
| Allowance for credit losses to loans | 4.06% |
| Reserve coverage of non-performing loans | 25.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 2.27% |
| Net interest margin | 3.98% |
| Efficiency ratio | 70.28% |
| Yield on earning assets | 4.44% |
| Cost of funds | 0.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.58% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 61.54% |
| Securities to assets | 61.49% |
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 | 35.80% | 1.82% | 4.34% | 3.56% | -0.03% |
| Q4 2023 | 35.19% | 0.90% | 4.81% | 2.39% | 0.70% |
| Q1 2024 | 35.71% | 2.38% | 4.60% | 4.66% | -0.05% |
| Q2 2024 | 36.28% | 2.01% | 5.05% | 4.73% | -0.03% |
| Q3 2024 | 36.59% | 2.04% | 4.68% | 4.61% | -0.03% |
| Q4 2024 | 34.86% | 0.77% | 4.49% | 4.28% | -0.03% |
| Q1 2025 | 35.63% | 1.29% | 4.23% | 2.52% | 0.00% |
| Q2 2025 | 36.33% | 1.29% | 4.42% | 5.62% | -0.03% |
| Q3 2025 | 36.94% | 1.43% | 4.22% | 5.60% | -0.04% |
| Q4 2025 | 35.90% | 0.64% | 4.12% | 2.92% | 0.00% |
| Q1 2026 | 37.26% | 1.31% | 3.70% | 8.08% | 0.00% |
| Q2 2026 | 38.46% | 0.87% | 3.98% | 16.24% | -0.04% |
The First National Bank of Fairfax vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fairfax, 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 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)