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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