The First National Bank of Fairfax (FDIC certificate #5142) is based in Fairfax, Minnesota. Its Q2 2026 call report shows $35.6M in total assets and $21.9M in deposits and 1 office.
Based on its Q2 2026 filing, The First National Bank of Fairfax scores 67/100, which we describe as moderate. That is higher than only 30% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 137th. Its strongest component is capital cushion (100/100; 38.46%), and its lowest is loan quality (0/100; 8.68%).
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
From Q2 2025 to Q2 2026, the score fell 3 points (70 → 67), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 73 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 36.28% |
| Q3 2024 | 36.59% |
| Q4 2024 | 34.86% |
| Q1 2025 | 35.63% |
| Q2 2025 | 36.33% |
| Q3 2025 | 36.94% |
| Q4 2025 | 35.90% |
| Q1 2026 | 37.26% |
| Q2 2026 | 38.46% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.36% |
| Q3 2024 | 2.30% |
| Q4 2024 | 2.14% |
| Q1 2025 | 2.52% |
| Q2 2025 | 2.81% |
| Q3 2025 | 2.80% |
| Q4 2025 | 4.29% |
| Q1 2026 | 9.52% |
| Q2 2026 | 8.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.20% |
| Q3 2024 | 2.14% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $35.6M | 38.46% | 8.68% | 1.10% | 42.8% |
| Q1 2026 | 69 | $34.9M | 37.26% | 9.52% | 1.34% | 44.5% |
| Q4 2025 | 68 | $36.3M | 35.90% | 4.29% | 1.17% | 43.5% |
| Q3 2025 | 71 | $36.8M | 36.94% | 2.80% | 1.33% | 46.6% |
| Q2 2025 | 70 | $37.1M | 36.33% | 2.81% | 1.28% | 46.4% |
| Q1 2025 | 73 | $37.8M | 35.63% | 2.52% | 1.28% | 51.2% |
| Q4 2024 | 79 | $38.7M | 34.86% | 2.14% | 1.79% | 59.9% |
| Q3 2024 | 80 | $37.2M | 36.59% | 2.30% | 2.14% | 60.4% |
| Q2 2024 | 79 | $36.3M | 36.28% | 2.36% | 2.20% | 61.8% |
546 peers · Under $100 million in assets
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State Bank of HoffmanBank Hoffman, MN | 67 out of 100, Moderate | $36.9M | 12.6% | 2.10% | vs |
| State Bank of JeffersBank Jeffers, MN | 97 out of 100, Very strong | $37.1M | 14.1% | 0.00% | vs |
| Western National BankBank Cass Lake, MN | 72 out of 100, Strong | $37.1M | 9.1% | 0.00% | vs |
| The First National Bank of ProctorBank Proctor, MN | 69 out of 100, Moderate | $34.0M | 8.5% | 0.00% | vs |
| The First National Bank at St. JamesBank Saint James, MN | 68 out of 100, Moderate | $37.9M | 8.7% | 0.27% | vs |
| Lake Country Community BankBank Morristown, MN | 74 out of 100, Strong | $31.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Fairfax?
Yes. The First National Bank of Fairfax is an FDIC-insured institution (FDIC certificate #5142). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.6% of deposits ($2.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 38.46%, well 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%).
1 location
Branches
The First National Bank of Fairfax lists 1 office in 1 city. Most locations:
- Fairfax, MN (1)
Identity & history
Profile
- Legal name
- The First National Bank of Fairfax
- Type
- National bank
- FDIC certificate #
- 5142
- RSSD ID
- 938354
- Primary regulator
- OCC
- Holding company
- Fort Ridgely Natl Bcorp Inc
- Established
- January 1, 1910
- Headquarters
- 16 1st St Se, Fairfax, MN 55332
- Website
- www.fnbfx.com
- Employees
- 7
Quick answers
The First National Bank of Fairfax: common questions
Is The First National Bank of Fairfax FDIC insured?
Yes. The First National Bank of Fairfax is an FDIC-insured institution (FDIC certificate #5142). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Fairfax'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 The First National Bank of Fairfax ever failed?
There is no failure record for FDIC certificate #5142 in the FDIC failed bank list.
How many branches does The First National Bank of Fairfax have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fairfax
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grand Marais State BankBank Grand Marais, MN | 75 out of 100, Strong | $207.2M | 8.4% | 0.10% | vs |
| Security Bank & Trust CompanyBank Glencoe, MN | 74 out of 100, Strong | $1.3B | 9.4% | 0.34% | vs |
| First Security Bank - Sleepy EyeBank Sleepy Eye, MN | 73 out of 100, Strong | $182.8M | 15.3% | 2.60% | vs |
| Southpoint Financial Credit UnionCredit union Sleepy Eye, MN | 73 out of 100, Strong | $608.9M | 11.2% | 0.17% | vs |
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |
| Frandsen Bank & TrustBank Lonsdale, MN | 71 out of 100, Strong | $3.7B | 10.0% | 0.71% | vs |