PackageTrendsPeer
Letter portraitLegal landscape

Fairfield National Bank, The

Fairfield, IL · Cert 3792 · Fairfield Bancshares Inc.

National charter · 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 assets in IL3

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 in IL (n=149 to 151). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

17

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 National Bank, The

Fairfield, IL · Cert 3792 · Fairfield Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$620.9MAssets
$285.8MLoans
$410.2MDeposits
$64.7MEquity
Loan mix
66%RE $162.1M33%C&I $80.6M2%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $369.7M10%Noninterest $40.5MQ2 2025Q2 2026

NIM

3.99%Q2 ’243.78%Q2 ’253.94%Q2 ’26-12%+22%

Non-interest income vs. expense

1.70%Q2 ’241.88%Q2 ’252.13%Q2 ’26+17%+17%

Executive Summary

  • Earnings: ROA of 0.69%, up 20 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 1.51% of loans (-131 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 11.89%, up 17 bps from a year ago.
  • Funding: loans stand at 69.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.11%+38 bps YoY

Efficiency Ratio (YTD, annualized)

79.00%-308 bps YoY

Tier 1 Leverage Ratio

11.89%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.49%0.57%0.66%0.69%+20 bps
Return on Equity5.45%5.26%6.00%6.37%6.60%+115 bps
Net Interest Margin1.73%1.83%1.85%2.09%2.11%+38 bps
Efficiency Ratio82.08%82.31%83.69%79.08%79.00%-308 bps
Non-Interest Burden1.31%1.40%1.45%1.52%1.53%+22 bps
Growth
Asset Growth (YoY)-1.01%-2.52%-2.96%-3.39%-1.31%-30 bps
Loan Growth (YoY)-17.77%-19.72%-17.71%-17.90%-12.69%+508 bps
Deposit Growth (YoY)3.65%-1.41%-5.11%-6.27%-5.48%-913 bps
Asset Quality
Nonperforming Loans / Loans2.82%2.10%2.00%2.06%1.51%-131 bps
Net Charge-Offs / Loans0.23%0.10%0.08%0.51%0.32%+9 bps
Allowance / Loans1.41%1.48%1.28%1.22%1.17%-25 bps
Allowance Coverage of NPLs0.5x0.7x0.6x0.6x0.8x+0.3x
Capital
Tier 1 Leverage Ratio11.73%12.20%11.99%12.25%11.89%+17 bps
Total Risk-Based Capital11.73%12.20%11.99%12.25%11.89%+17 bps
Equity / Assets8.90%10.18%10.29%10.52%10.42%+152 bps
Liquidity & Funding
Loans / Deposits75.44%75.35%71.31%66.21%69.68%-576 bps
Liquid Assets / Assets4.58%2.35%0.24%1.44%0.01%-457 bps
CRE / Total Capitaln/a43.20%41.39%40.40%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 National Bank, The

Fairfield, IL · Cert 3792 · Peer group: banks under $1B in assets in IL (n=149-151) · Fairfield Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$620.9MAssets
$285.8MLoans
$410.2MDeposits
$64.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 46% of banks under $1B in assets in IL (rank 82 of 151).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in IL (rank 150 of 151).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.69%

Rank 115 of 151

Net Interest Margin

2.11%

Rank 150 of 151

Efficiency Ratio

79.00%

Rank 126 of 151

Equity / Assets

10.42%

Rank 82 of 151

Non-interest income vs. expense

$3.8M$13.8MINCOMEEXPENSE
Unfavorable gap of $9.9M · efficiency ratio beats 17% of banks under $1B in assets in IL
Bank 79.00%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.70%1.03%1.34%Beats 24%115 / 151
Return on Equity6.63%6.74%9.34%12.94%Beats 23%116 / 151
Net Interest Margin2.11%3.02%3.43%3.83%Beats 1%150 / 151
Efficiency Ratio79.00%54.64%64.89%72.50%Beats 17%126 / 151
Asset Quality
Nonperforming Loans / Loans1.51%0.20%0.66%1.77%Beats 32%103 / 149
Net Charge-Offs / Loans0.22%0.00%0.02%0.07%Beats 13%131 / 149
Capital
Tier 1 Capital Ratio11.89%11.83%14.17%18.66%Beats 26%112 / 151
Total Risk-Based Capital Ratio11.89%12.22%14.54%19.92%Beats 21%120 / 151
Equity / Assets10.42%9.10%10.65%12.40%Beats 46%82 / 151
Liquidity & Funding
Loans / Deposits69.68%54.39%71.02%80.75%44th pctl83 / 149
Loans / Assets46.03%45.91%61.31%68.01%25th pctl113 / 151
Brokered Deposits / Depositsn/aNot reported for this institution