BlastPoint's Banking Scorecard
Fairfield Federal Savings and Loan Association of Lancaster
Designations: ✓ Mutual
Lancaster, OH
3 branches across OH
Fairfield Federal Savings and Loan Association of Lancaster has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 19.7% in tier
- - Liquidity Strain: Bottom 20.4% in tier
- - Efficiency Drag: Bottom 43.0% in tier
- - Return on Assets 0.89% below tier average
- - Non-Interest-Bearing Deposit Share 12.68% below tier average
- - Net Interest Margin 0.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$282.5M
+1.9% YoY
+1.3% QoQ
|
-$103.6M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$241.8M
-0.4% YoY
+0.1% QoQ
|
-$13.9M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$248.8M
+1.7% YoY
+1.4% QoQ
|
-$79.2M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.37%
+29.6% YoY
-9.9% QoQ
|
-0.89% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.9% in tier |
| Net Interest Margin ? |
3.10%
+7.6% YoY
+2.9% QoQ
|
-0.83% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio ? |
85.27%
-3.1% YoY
+2.2% QoQ
|
+19.98% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate ? |
0.14%
-44.1% YoY
-9.0% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
97.20%
-2.0% YoY
-1.2% QoQ
|
+20.57% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.34%
-6.2% YoY
-0.4% QoQ
|
-12.68% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.5% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-45.4% YoY
-38.9% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.78%
-0.7% YoY
+0.0% QoQ
|
-4.05% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.04%
-17.0% YoY
-80.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.