Headquartered in Fairfax, Iowa, Fairfax State Savings Bank is a state-chartered bank with $287.0M in total assets and $229.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1924.
Fairfax State Savings Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 160th. Loan quality contributes the most (92/100, 0.25%); capital cushion contributes the least (45/100, 9.46%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 65 |
| Q4 2025 | 67 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.04% |
| Q3 2024 | 9.18% |
| Q4 2024 | 9.56% |
| Q1 2025 | 9.56% |
| Q2 2025 | 9.58% |
| Q3 2025 | 9.71% |
| Q4 2025 | 9.57% |
| Q1 2026 | 9.53% |
| Q2 2026 | 9.46% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.20% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $287.0M | 9.46% | 0.25% | 0.73% | 68.0% |
| Q1 2026 | 66 | $287.6M | 9.53% | 0.22% | 0.59% | 63.5% |
| Q4 2025 | 67 | $277.3M | 9.57% | 0.18% | 0.59% | 66.7% |
| Q3 2025 | 65 | $268.4M | 9.71% | 0.33% | 0.56% | 66.9% |
| Q2 2025 | 66 | $270.4M | 9.58% | 0.01% | 0.49% | 67.0% |
| Q1 2025 | 65 | $267.6M | 9.56% | 0.00% | 0.44% | 67.3% |
| Q4 2024 | 63 | $257.4M | 9.56% | 0.10% | 0.36% | 69.0% |
| Q3 2024 | 62 | $273.9M | 9.18% | 0.12% | 0.30% | 67.8% |
| Q2 2024 | 41 | $270.1M | 9.04% | 2.20% | 0.30% | 69.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Whitney Bank and TrustBank Atlantic, IA | 84 out of 100, Strong | $287.5M | 11.5% | 0.00% | vs |
| The Home Trust & Savings BankBank Osage, IA | 69 out of 100, Moderate | $287.7M | 10.8% | 0.80% | vs |
| United Community BankBank Milford, IA | 51 out of 100, Below average | $290.0M | 8.5% | 1.51% | vs |
| Pioneer BankBank Sergeant Bluff, IA | 77 out of 100, Strong | $282.8M | 10.6% | 0.09% | vs |
| State Savings BankBank West Des Moines, IA | 58 out of 100, Moderate | $291.9M | 8.7% | 1.02% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
Deposit insurance
Is my money safe at Fairfax State Savings Bank?
Yes. Fairfax State Savings Bank is an FDIC-insured institution (FDIC certificate #8083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.9% of deposits ($45.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Fairfax State Savings Bank lists 3 offices in 3 cities. Most locations:
- Amana, IA (1)
- Cedar Rapids, IA (1)
- Fairfax, IA (1)
HMDA 2025
Mortgage lending
In 2025, Fairfax State Savings Bank reported 72 home-loan applications under HMDA (LEI 549300Y4I3OP11OGQV16): 50 originated ($10,560,000 total), 11 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Fairfax State Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8083
- RSSD ID
- 682648
- Primary regulator
- FDIC
- Holding company
- Vanderbilt Holding Co Inc
- Established
- October 20, 1924
- Headquarters
- 409 Vanderbilt St, Fairfax, IA 52228
- Website
- www.thebankhere.com
- Employees
- 27
Quick answers
Fairfax State Savings Bank: common questions
Is Fairfax State Savings Bank FDIC insured?
Yes. Fairfax State Savings Bank is an FDIC-insured institution (FDIC certificate #8083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fairfax State Savings Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fairfax State Savings Bank ever failed?
There is no failure record for FDIC certificate #8083 in the FDIC failed bank list.
How many branches does Fairfax State Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fairfax
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| Metco Credit UnionCredit union Cedar Rapids, IA | 92 out of 100, Very strong | $58.7M | 18.8% | 0.70% | vs |
| Farmers State BankBank Marion, IA | 91 out of 100, Very strong | $1.1B | 14.4% | 0.21% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| The Watkins Savings BankBank Watkins, IA | 87 out of 100, Very strong | $86.7M | 14.8% | 0.00% | vs |
| Benton County State BankBank Blairstown, IA | 87 out of 100, Very strong | $50.8M | 15.2% | 0.00% | vs |