# BANK OF FAIRFIELD
FAIRFIELD, WA · FDIC certificate 11207 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $148.1M | |
| Deposits | $119.7M | |
| Loans and leases | $117.8M | |
| Total equity | $14.5M | |
| Loans / deposits | 96.80% (p89 of band) | 73.61% |
| Liquid assets / assets | 16.28% (p15 of band) | |
| Uninsured deposits / deposits | 6.74% (p18 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.03% (p76 of band) | |
| FHLB advances / assets | 8.03% | |
| Tier 1 leverage | 9.50% (p29 of band) | 10.70% |
| Unrealized securities loss / equity | 0.10% (p28 of band) | 0.86% |
| AOCI / equity | -0.75% (p10 of band) | |
| ROA (annualized) | 0.14% (p9 of band) | 0.84% |
| Net interest margin | 4.36% (p85 of band) | 3.64% |
| Efficiency ratio | 103.34% (p95 of band) | |
| Noncurrent loans | 0.21% (p28 of band) | 0.69% |
| Net charge-offs (annualized) | -0.03% (p11 of band) | |
| Reserve coverage of noncurrent | 755.82% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 22.64% (p60 of band) | |
| Auto loans | $271,000 (0.23% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | liquid assets <10% |  |
| 2011-12 | 1 |  | liquid assets <10% |
| 2012-03 | 3 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 1 |  | charge-offs p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 3 | expense ratio p90, deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-28 [Meet & Greet: Tim Cassels, Chief Financial Officer, State Bank Northwest - Spokane Journal of Business](https://news.google.com/rss/articles/CBMivgFBVV95cUxNb2FuMUNfS3QxbFdpNURMaG1hMFBuVzQzMkZGUzY3VGI1bjRkUkR0enVEeHphMEJGVklTMUZlTHRCcUhxLXNkWTFMOGdNeEw1UWE1SERycXJfTE5rVS1aYlV0bXZDREtTeVNlTHFERFFQbDltaDNOZXJqNFFwTmJPMy01aFBPLXh4cDRNZ3NPelhON19qZ0JXTUJVR19YNWc3RWVWdFFSUGhCaXRyblJGUlpNemMxbklCRWRkMDJ3?oc=5) · Spokane Journal of Business
- 2015-06-24 [Northwest Bancorporation, Inc. to Acquire Fairfield Financial Holdings Corp. - GlobeNewswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOUkRINzRKblFTVVl6Q21fOGM1T213bFBodWxNOEd2cmNvN2VOX1ZweW00aWxWVlNES1JwclpseU83NllqWENERUNiNW16UWxjcy1wdkx5eDFBbTZ5aHlkcXV4UW1XSnlXcjM2TE1CeUNSNE5lMVBkbEx2NXRDaTFxV21MNWJEcjVHUjhQYXFrNGVPRFJwM25JVTlkU09QVkRuYUJSWnpxM1VtVElqRkNFS0xVaElOYVItX0pOZkVSTk94N3QxWFZ1OTRpZm5qSVhKb2hBTmVwSmRLLUJaaC1vZG5Oc2VERGV1MVE?oc=5) · GlobeNewswire
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk
- 2015-03-08 [Business beat - The Spokesman-Review](https://news.google.com/rss/articles/CBMibEFVX3lxTFBkQTU1SENMR0cwYnVCNGNtY182cWdENzlzQU1TYXY5bzJEcmlrclU0T0JPT1N1RnBMS2c3VWVKalZnalJ3VkdJaFFORmtxTUtoT3lscVhSV2JPT1BVOUFCUnpYdVJhemlJM21LUA?oc=5) · The Spokesman-Review
- 2013-11-15 [Peyton Patterson: manning the fastest-growing bank in the county - Greenwich Time](https://news.google.com/rss/articles/CBMioAFBVV95cUxQejJrY0I5eU1SM1RGT015SkNxR1JwU0xpY0pnMV9kMGpXUFAtNFVEaC1JVWxYNG50QVU2Qmg3RlYwaUZhYmhvd1VLZVN5ejVSNkptUXRQdVYyQ3ItbmNHUzBnQTQxNG5GRk5MWnZfd1BKTEY3RlN1ZWhYWThFdDhPbkQtaGswNlRydF8xMWZLbGRvZkx6TEo2MjZmd0xxNjVN?oc=5) · Greenwich Time
- 2015-08-13 [Taking Inland Northwest Bank to the next step - Spokane Journal of Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNbFNULVpxRG92YzRCSU9vLXZPcnNja2NTOHl4V3NqRG10QkVmRk9KaU5oc0VRQ3MtdkpCVE5PVkg5VFp1WExZenFlczJPa3hXQmpRTDlHR3FjYzlBSEZrTWg4anZYUHN1Y1V5XzhkeG9Sd1V1T2UzbHpzcU9lQTE1NnlpRnNxb0VfZlBwbzA0ZWlOQU5f?oc=5) · Spokane Journal of Business
- 2023-09-30 [Byron WERNZ Obituary (1936 - 2023) - Englewood, CO - Spokesman-Review - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQVUJ0S3FXQTBvRVNoVEtmdEJwLUVxUU5yN20xaG96bzQxTFYzX1RQM29Lc0dDdGxnSG4yczMzUXdEbWJORUpmaERRampITERzR3lTM2R4YmVVRzZHcUdNTHdMVnFGTWx5cXlfaFBKc2ZzOVJ4QWFOaXozd2xaUDFlbEhYNy11Y0lmTk1oMA?oc=5) · legacy.com
- 2013-04-17 [Convicted bank robber connected to recent armed robberies - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxQUV9GUW9kc0NZaFI0MktqTGdudmVLcGROd0NfUzBZMnFNM1lna1I2bV9iWjdGSTRoa2h6M3ZTY053cWI1Uld4dmVSbzcyYnB4akdlN3JxczNWWnhOUFlnMHhqTVpzWk5JLUhnTHBuLW5aMVVDc2JyTzZOdTZzNGJ0cWlrNEVFdzZMMDhrdDV6YWhad2x3LXB1cTE3cTgxQQ?oc=5) · The Spokesman-Review

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11207 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "11207", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide