Fairfield, IL · Cert 3792 · Fairfield Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.36% | 0.44% | 0.54% | 0.48% | 0.82% | 0.66% | 0.71% | +17 bps | |
| Return on Equity | 6.69% | 3.69% | 4.80% | 6.09% | 5.07% | 8.04% | 6.37% | 6.78% | +69 bps | |
| Net Interest Margin | 1.92% | 1.92% | 1.67% | 1.76% | 1.93% | 1.99% | 2.09% | 2.13% | +37 bps | |
| Efficiency Ratio | 72.72% | 82.63% | 81.99% | 82.17% | 82.73% | 87.62% | 79.08% | 78.93% | -324 bps | |
| Non-Interest Burden | 1.25% | 1.50% | 1.26% | 1.33% | 1.49% | 1.68% | 1.52% | 1.55% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | 0.06% | 2.79% | -1.01% | -2.52% | -2.96% | -3.39% | -1.31% | -30 bps | |
| Loan Growth (YoY) | -3.04% | -9.32% | -13.09% | -17.77% | -19.72% | -17.71% | -17.90% | -12.69% | +508 bps | |
| Deposit Growth (YoY) | -0.11% | 3.39% | 6.06% | 3.65% | -1.41% | -5.11% | -6.27% | -5.48% | -913 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.03% | 2.28% | 2.91% | 2.82% | 2.10% | 2.00% | 2.06% | 1.51% | -131 bps | |
| Net Charge-Offs / Loans | 0.02% | 4.04% | -0.09% | 0.55% | -0.17% | 0.02% | 0.51% | 0.13% | -42 bps | |
| Allowance / Loans | 2.20% | 1.36% | 1.48% | 1.41% | 1.48% | 1.28% | 1.22% | 1.17% | -25 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.5x | 0.5x | 0.7x | 0.6x | 0.6x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.68% | 11.49% | 11.41% | 11.73% | 12.20% | 11.99% | 12.25% | 11.89% | +17 bps | |
| Total Risk-Based Capital | 11.68% | 11.49% | 11.41% | 11.73% | 12.20% | 11.99% | 12.25% | 11.89% | +17 bps | |
| Equity / Assets | 10.10% | 9.21% | 8.96% | 8.90% | 10.18% | 10.29% | 10.52% | 10.42% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.53% | 82.23% | 75.59% | 75.44% | 75.35% | 71.31% | 66.21% | 69.68% | -576 bps | |
| Liquid Assets / Assets | 0.16% | 2.96% | 2.89% | 4.58% | 2.35% | 0.24% | 1.44% | 0.01% | -457 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.20% | 41.39% | 40.40% | n/a | n/a | |