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Fairfield Federal Savings and Loan Association of Lancaster

Lancaster, OH · Cert 27806

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fairfield Federal Savings and Loan Association of Lancaster

Lancaster, OH · Cert 27806

State savings bank · OCC · 3 branches

Q2 2026

$281.5MAssets
$246.6MLoans
$247.4MDeposits
$33.4MEquity
Loan mix
100%RE $242.1M0%C&I $0.1M0%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $224.2M9%Noninterest $23.2MQ2 2025Q2 2026

NIM

4.16%Q2 ’244.35%Q2 ’254.44%Q2 ’26+8%+5%

Non-interest income vs. expense

2.70%Q2 ’242.61%Q2 ’252.66%Q2 ’26-3%+3%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #26 of 53 inst. · $0.2B of $124.6B

Executive Summary

  • Earnings: ROA of 0.45%, up 6 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.18% of loans (-4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.82%, up 13 bps from a year ago.
  • Funding: loans stand at 99.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+14 bps YoY

Efficiency Ratio (YTD, annualized)

82.60%-165 bps YoY

Tier 1 Leverage Ratio

11.82%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.41%0.42%0.37%0.45%+6 bps
Return on Equity3.37%3.54%3.57%3.19%3.85%+48 bps
Net Interest Margin2.88%2.88%2.89%3.00%3.03%+14 bps
Efficiency Ratio84.25%83.53%83.43%85.27%82.60%-165 bps
Non-Interest Burden2.39%2.37%2.37%2.53%2.46%+7 bps
Growth
Asset Growth (YoY)1.37%2.04%3.03%1.93%1.53%+16 bps
Loan Growth (YoY)-0.41%-0.22%-0.60%-0.35%1.03%+144 bps
Deposit Growth (YoY)1.16%2.76%2.91%1.68%1.28%+12 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.16%0.15%0.14%0.18%-4 bps
Net Charge-Offs / Loans0.01%0.00%0.00%-0.01%-0.01%-2 bps
Allowance / Loans0.47%0.47%0.48%0.48%0.47%0 bps
Allowance Coverage of NPLs2.1x3.0x3.2x3.5x2.7x+0.6x
Capital
Tier 1 Leverage Ratio11.69%11.74%11.78%11.78%11.82%+13 bps
Total Risk-Based Capital11.69%11.74%11.78%11.78%11.82%+13 bps
Equity / Assets11.61%11.80%11.79%11.70%11.85%+24 bps
Liquidity & Funding
Loans / Deposits99.94%100.30%98.90%97.67%99.69%-25 bps
Liquid Assets / Assets3.41%2.89%3.73%5.06%3.32%-9 bps
CRE / Total Capitaln/a17.41%21.05%17.26%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fairfield Federal Savings and Loan Association of Lancaster

Lancaster, OH · Cert 27806 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 3 branches

Q2 2026

$281.5MAssets
$246.6MLoans
$247.4MDeposits
$33.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 82% of banks under $1B in assets (rank 518 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.45%

Rank 514 of 629

Net Interest Margin

3.03%

Rank 472 of 629

Efficiency Ratio

82.60%

Rank 498 of 629

Equity / Assets

11.85%

Rank 238 of 629

Non-interest income vs. expense

$0.6M$7.5MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 21% of banks under $1B in assets
Bank 82.60%Peer median 67.8%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.60%1.01%1.45%Beats 18%514 / 629
Return on Equity3.82%5.38%9.30%13.28%Beats 18%518 / 629
Net Interest Margin3.03%3.03%3.54%4.05%Beats 25%472 / 629
Efficiency Ratio82.60%58.35%67.79%79.08%Beats 21%498 / 629
Asset Quality
Nonperforming Loans / Loans0.18%0.09%0.46%1.20%Beats 67%194 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.82%11.24%13.84%18.77%Beats 31%431 / 629
Total Risk-Based Capital Ratio11.82%11.58%14.43%19.66%Beats 27%461 / 629
Equity / Assets11.85%9.09%10.65%13.80%Beats 62%238 / 629
Liquidity & Funding
Loans / Deposits99.69%67.24%80.90%93.48%86th pctl83 / 594
Loans / Assets87.63%53.31%67.71%78.15%96th pctl25 / 629
Brokered Deposits / Depositsn/aNot reported for this institution