BlastPoint's Banking Scorecard
The Fairfield National Bank
Community
Specialty: Agricultural
IL
FDIC cert 3792
Fairfield, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
The Fairfield National Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4% in Community
- - Efficiency Drag: Bottom 23% in Community
- - Deposit Outflow: Bottom 36% in Community
- - Net Interest Margin 1.46% below tier
- - Delinquency Rate 1.40% above tier
- - Non-Interest-Bearing Deposit Share 11.41% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$623.1M
-3.0% YoY
+1.3% QoQ
|
-$768.3M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$296.4M
-17.6% YoY
-3.5% QoQ
|
-$679.1M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$421.1M
-5.1% YoY
+1.8% QoQ
|
-$743.5M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.57%
-10.6% YoY
+16.5% QoQ
|
-0.59% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.20%
-2.7% YoY
+2.1% QoQ
|
-1.46% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
83.69%
+15.9% YoY
+1.7% QoQ
|
+21.06% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
2.03%
-12.3% YoY
-4.8% QoQ
|
+1.40% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
70.40%
-13.2% YoY
-5.2% QoQ
|
-12.67% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
9.64%
+11.2% YoY
+5.9% QoQ
|
-11.41% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.96%
-25.6% YoY
-9.3% QoQ
|
+0.46% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.59%
+7.4% YoY
+28.9% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#18 of 432 · Bottom 4% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#35 of 152 · Bottom 23% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.69%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#90 of 248 · Bottom 36% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.20%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
2.03%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.64%
(Tier avg: 21.05%, National avg: 21.79%)
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
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.40% · Tier avg: 83.06%
17
17th pctile
Total Assets
Current: $623.1M · Tier avg: $1.4B
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
10
10th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.64% · Tier avg: 21.05%
7
7th pctile
Efficiency Ratio
Current: 83.69% · Tier avg: 62.63%
5
5th pctile
Total Loans
Current: $296.4M · Tier avg: $975.5M
3
3th pctile
Net Interest Margin
Current: 2.20% · Tier avg: 3.66%
2
2th pctile
Total Deposits
Current: $421.1M · Tier avg: $1.2B
Top Weaknesses
2
2th pctile
Total Deposits
Current: $421.1M · Tier avg: $1.2B
3
3th pctile
Net Interest Margin
Current: 2.20% · Tier avg: 3.66%
5
5th pctile
Total Loans
Current: $296.4M · Tier avg: $975.5M
7
7th pctile
Efficiency Ratio
Current: 83.69% · Tier avg: 62.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.64% · Tier avg: 21.05%
10
10th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
17
17th pctile
Total Assets
Current: $623.1M · Tier avg: $1.4B
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.40% · Tier avg: 83.06%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%