PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $4.7MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $369.7M10%Noninterest $40.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.64%0.44%0.49%0.49%0.57%0.66%0.69%+20 bps
Return on Equity7.77%6.80%4.80%5.45%5.26%6.00%6.37%6.60%+115 bps
Net Interest Margin1.95%1.93%1.67%1.73%1.83%1.85%2.09%2.11%+38 bps
Efficiency Ratio68.84%72.22%81.99%82.08%82.31%83.69%79.08%79.00%-308 bps
Non-Interest Burden1.16%1.24%1.26%1.31%1.40%1.45%1.52%1.53%+22 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 / Loans3.03%2.28%2.91%2.82%2.10%2.00%2.06%1.51%-131 bps
Net Charge-Offs / Loans0.73%1.59%-0.09%0.23%0.10%0.08%0.51%0.32%+9 bps
Allowance / Loans2.20%1.36%1.48%1.41%1.48%1.28%1.22%1.17%-25 bps
Allowance Coverage of NPLs0.7x0.6x0.5x0.5x0.7x0.6x0.6x0.8x+0.3x
Capital
Tier 1 Leverage Ratio11.68%11.49%11.41%11.73%12.20%11.99%12.25%11.89%+17 bps
Total Risk-Based Capital11.68%11.49%11.41%11.73%12.20%11.99%12.25%11.89%+17 bps
Equity / Assets10.10%9.21%8.96%8.90%10.18%10.29%10.52%10.42%+152 bps
Liquidity & Funding
Loans / Deposits92.53%82.23%75.59%75.44%75.35%71.31%66.21%69.68%-576 bps
Liquid Assets / Assets0.16%2.96%2.89%4.58%2.35%0.24%1.44%0.01%-457 bps
CRE / Total Capitaln/an/an/an/a43.20%41.39%40.40%n/an/a