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BDI
FB

The First National Bank of Fairfax

Fairfax, MinnesotaFDIC Cert #5142

OCCEstablished 19101 branch

Holding company: FORT RIDGELY NATL BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$0
Investor CRE$53K
Multifamily$0
Construction$2.81M
1–4 family$54K
C&I$830K
Agriculture$5.97M
Other$143K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$9.86M
−22.7%y/y
Percentile by value26th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSGR
Net loans
$9.46M
−23.5%y/y
Percentile by value26th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
Loans YoY
−23.47%
−44.2%y/y
Percentile by value2nd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
L/D
44.5%
−13.1%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + DEP
Loans/assets
27.1%
−17.1%y/y
Percentile by value19th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + ASSET
RE loans %
48.16%
−9.0%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,989points
+7.5%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNLSGR
Investor CRE %
0.54%
+16.3%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROT + LNLSGR
C&I %
8.42%
+10.5%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNCI + LNLSGR