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
Unfavorable gap of $9.9M · efficiency ratio beats 17% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.70% | 1.03% | 1.34% | Beats 24% | 115 / 151 | | |
| Return on Equity | 6.63% | 6.74% | 9.34% | 12.94% | Beats 23% | 116 / 151 | | |
| Net Interest Margin | 2.11% | 3.02% | 3.43% | 3.83% | Beats 1% | 150 / 151 | | |
| Efficiency Ratio | 79.00% | 54.64% | 64.89% | 72.50% | Beats 17% | 126 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.51% | 0.20% | 0.66% | 1.77% | Beats 32% | 103 / 149 | | |
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.02% | 0.07% | Beats 13% | 131 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 11.83% | 14.17% | 18.66% | Beats 26% | 112 / 151 | | |
| Total Risk-Based Capital Ratio | 11.89% | 12.22% | 14.54% | 19.92% | Beats 21% | 120 / 151 | | |
| Equity / Assets | 10.42% | 9.10% | 10.65% | 12.40% | Beats 46% | 82 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.68% | 54.39% | 71.02% | 80.75% | 44th pctl | 83 / 149 | | |
| Loans / Assets | 46.03% | 45.91% | 61.31% | 68.01% | 25th pctl | 113 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |