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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 $0.8MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $224.2M9%Noninterest $23.2MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 0.53%, up 4 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.18% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

0.53%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+8 bps YoY

Efficiency Ratio (quarter, annualized)

80.04%-72 bps YoY

Tier 1 Leverage Ratio

11.82%+13 bps YoY

NIM

4.21%Q2 ’244.44%Q2 ’254.49%Q2 ’26+12%+3%

Non-interest income vs. expense

2.63%Q2 ’242.59%Q2 ’252.63%Q2 ’26-1%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.20%0.29%0.49%0.45%0.43%0.37%0.53%+4 bps
Return on Equity1.98%1.68%2.50%4.24%3.86%3.66%3.19%4.52%+28 bps
Net Interest Margin2.67%2.70%2.85%2.99%2.92%2.95%3.00%3.07%+8 bps
Efficiency Ratio90.24%90.43%88.00%80.76%82.12%83.15%85.27%80.04%-72 bps
Non-Interest Burden2.38%2.42%2.48%2.37%2.36%2.41%2.53%2.42%+4 bps
Growth
Asset Growth (YoY)-1.94%-2.45%0.73%1.37%2.04%3.03%1.93%1.53%+16 bps
Loan Growth (YoY)-0.14%-1.41%-0.68%-0.41%-0.22%-0.60%-0.35%1.03%+144 bps
Deposit Growth (YoY)-3.33%-1.75%2.64%1.16%2.76%2.91%1.68%1.28%+12 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.31%0.24%0.22%0.16%0.15%0.14%0.18%-4 bps
Net Charge-Offs / Loans0.00%0.06%0.01%0.01%0.00%-0.02%-0.01%0.00%-1 bps
Allowance / Loans0.48%0.47%0.47%0.47%0.47%0.48%0.48%0.47%0 bps
Allowance Coverage of NPLs0.9x1.5x1.9x2.1x3.0x3.2x3.5x2.7x+0.6x
Capital
Tier 1 Leverage Ratio11.60%11.69%11.87%11.69%11.74%11.78%11.78%11.82%+13 bps
Total Risk-Based Capital11.60%11.69%11.87%11.69%11.74%11.78%11.78%11.82%+13 bps
Equity / Assets11.60%11.64%11.47%11.61%11.80%11.79%11.70%11.85%+24 bps
Liquidity & Funding
Loans / Deposits103.30%102.39%99.67%99.94%100.30%98.90%97.67%99.69%-25 bps
Liquid Assets / Assets0.99%1.01%2.44%3.41%2.89%3.73%5.06%3.32%-9 bps
CRE / Total Capitaln/an/an/an/a17.41%21.05%17.26%n/an/a