BlastPoint's Banking Scorecard
The First National Bank of Fairfax
Micro
Specialty: Agricultural
MN
FDIC cert 5142
Designations: ✓ Community bank
Fairfax, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First National Bank of Fairfax faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.82% above tier
- - Loan-to-Deposit Ratio 31.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.3M
-6.2% YoY
-1.4% QoQ
|
-$181.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$9.9M
-34.1% YoY
-6.7% QoQ
|
-$129.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$22.8M
-9.4% YoY
-0.2% QoQ
|
-$160.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.17%
-34.6% YoY
-12.4% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.27%
-7.0% YoY
-0.3% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
69.18%
+15.6% YoY
+6.2% QoQ
|
+1.45% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
4.46%
+103.2% YoY
+53.6% QoQ
|
+3.82% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
43.52%
-27.3% YoY
-6.5% QoQ
|
-31.01% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.47%
-6.1% YoY
-2.8% QoQ
|
+9.08% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.22%
+42.6% YoY
+45.4% QoQ
|
+0.77% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-15.7% YoY
+35.2% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.46%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
43.52%
(Tier avg: 74.53%, National avg: 78.04%)
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
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.47% · Tier avg: 22.39%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.18% · Tier avg: 67.73%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.52% · Tier avg: 74.53%
4
4th pctile
Total Assets
Current: $36.3M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $22.8M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $9.9M · Tier avg: $139.2M
0
0th pctile
Delinquency Rate
Current: 4.46% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.46% · Tier avg: 0.64%
3
3th pctile
Total Loans
Current: $9.9M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $22.8M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $36.3M · Tier avg: $217.5M
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.52% · Tier avg: 74.53%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
42
42th pctile
Efficiency Ratio
Current: 69.18% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.47% · Tier avg: 22.39%