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
Unfavorable gap of $7.0M · efficiency ratio beats 21% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.60% | 1.01% | 1.45% | Beats 18% | 514 / 629 | |
| Return on Equity | 3.82% | 5.38% | 9.30% | 13.28% | Beats 18% | 518 / 629 | |
| Net Interest Margin | 3.03% | 3.03% | 3.54% | 4.05% | Beats 25% | 472 / 629 | |
| Efficiency Ratio | 82.60% | 58.35% | 67.79% | 79.08% | Beats 21% | 498 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.46% | 1.20% | Beats 67% | 194 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.82% | 11.24% | 13.84% | 18.77% | Beats 31% | 431 / 629 | |
| Total Risk-Based Capital Ratio | 11.82% | 11.58% | 14.43% | 19.66% | Beats 27% | 461 / 629 | |
| Equity / Assets | 11.85% | 9.09% | 10.65% | 13.80% | Beats 62% | 238 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 99.69% | 67.24% | 80.90% | 93.48% | 86th pctl | 83 / 594 | |
| Loans / Assets | 87.63% | 53.31% | 67.71% | 78.15% | 96th pctl | 25 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |