BlastPoint's Banking Scorecard
Fairview State Banking Company
Micro
Specialty: Agricultural
IL
FDIC cert 11731
Designations: ✓ Community bank
Fairview, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Fairview State Banking Company shows strong momentum with 1 strength and 15.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.15% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.9M
+15.2% YoY
+5.8% QoQ
|
-$174.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$24.2M
+3.3% YoY
+6.1% QoQ
|
-$115.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$36.8M
+15.0% YoY
+6.1% QoQ
|
-$146.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.43%
+77.1% YoY
-9.7% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
5.00%
+20.9% YoY
-5.0% QoQ
|
+1.15% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
56.81%
-16.4% YoY
+5.8% QoQ
|
-10.91% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
1.22%
+233.2% YoY
+10.3% QoQ
|
+0.58% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
65.71%
-10.1% YoY
-0.0% QoQ
|
-8.81% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
24.01%
+12.6% YoY
+45.3% QoQ
|
+1.61% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.69%
+198.7% YoY
+10.6% QoQ
|
+0.24% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
+32.7% YoY
+27.1% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%
76
76th pctile
Efficiency Ratio
Current: 56.81% · Tier avg: 67.73%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.01% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.71% · Tier avg: 74.53%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.64%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
8
8th pctile
Total Loans
Current: $24.2M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $36.8M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $42.9M · Tier avg: $217.5M
Top Weaknesses
6
6th pctile
Total Assets
Current: $42.9M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $36.8M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $24.2M · Tier avg: $139.2M
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
24
24th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.71% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.01% · Tier avg: 22.39%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
76
76th pctile
Efficiency Ratio
Current: 56.81% · Tier avg: 67.73%
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%