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

Latest reported loan balances by category
Category	Balance
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 value16th percentileby value

FDICLNLSGR

Net loans

$9.46M

−23.5%y/y

Percentile by value16th percentileby value

FDICLNLSNET

Loans YoY

−23.47%

−44.2%y/y

Percentile by value1st percentileby value

FDICLNLSNET

L/D

44.5%

−13.1%y/y

Percentile by value25th percentileby value

FDICLNLSNET + DEP

Loans/assets

27.1%

−17.1%y/y

Percentile by value17th percentileby value

FDICLNLSNET + ASSET

RE loans %

48.16%

−9.0%y/y

Percentile by value23rd percentileby value

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 standing42nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.54%

+16.3%y/y

Percentile by value26th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.42%

+10.5%y/y

Percentile by value47th percentileby value

FDICLNCI + LNLSGR