BlastPoint's Banking Scorecard
Fairfax State Savings Bank
Micro
Specialty: Commercial
IA
FDIC cert 8083
Designations: ✓ Community bank
Fairfax, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Fairfax State Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.28% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$277.3M
+7.7% YoY
+3.3% QoQ
|
+$59.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$156.2M
+3.3% YoY
+3.3% QoQ
|
+$17.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$234.2M
+6.8% YoY
+3.6% QoQ
|
+$50.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.59%
+63.0% YoY
+5.4% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.58%
+25.4% YoY
+0.3% QoQ
|
-1.28% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
72.47%
-13.6% YoY
-0.2% QoQ
|
+4.75% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.19%
+82.4% YoY
-44.9% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
66.72%
-3.2% YoY
-0.3% QoQ
|
-7.81% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
15.60%
-8.0% YoY
+0.4% QoQ
|
-6.79% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.85%
-24.0% YoY
-23.8% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-17.2% YoY
+28.6% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.58%
(Tier avg: 3.85%, National avg: 3.75%)
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
67
67th pctile
Total Assets
Current: $277.3M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $234.2M · Tier avg: $183.7M
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.72% · Tier avg: 74.53%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Efficiency Ratio
Current: 72.47% · Tier avg: 67.73%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.60% · Tier avg: 22.39%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.85%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.60% · Tier avg: 22.39%
34
34th pctile
Efficiency Ratio
Current: 72.47% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.72% · Tier avg: 74.53%
67
67th pctile
Total Deposits
Current: $234.2M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $277.3M · Tier avg: $217.5M