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Fairfield Federal Savings and Loan Association of Lancaster

$100M-$1B Specialty: Mortgage OH FDIC cert 27806

Designations: ✓ Mutual

Lancaster, OH

3 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +1.3% year over year ($247.4M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.45%.
  • Efficiency ratio 82.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.22% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Fairfield Federal Savings and Loan Association of Lancaster has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 15.1% in tier
  • - Liquidity Strain: Bottom 29.2% in tier
  • - Efficiency Drag: Bottom 31.3% in tier
  • - Non-Interest-Bearing Deposit Share 12.65% below tier average
  • - ROA 0.87% below tier average
  • - Net Interest Margin 0.84% below tier average
Get updates when Fairfield Federal Savings and Loan Association of Lancaster releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $281.5M
+1.5% YoY -0.4% QoQ
-$105.1M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $245.5M
+1.0% YoY +1.5% QoQ
-$12.9M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $247.4M
+1.3% YoY -0.5% QoQ
-$79.3M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 0.45%
+16.3% YoY +21.2% QoQ
-0.87% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 11.2% in tier
Net Interest Margin ? 3.14%
+5.5% YoY +1.5% QoQ
-0.84% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 14.3% in tier
Efficiency Ratio ? 82.60%
-2.0% YoY -3.1% QoQ
+18.12% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 11.4% in tier
Delinquency Rate ? 0.18%
-20.1% YoY +30.2% QoQ
-0.74% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 99.22%
-0.3% YoY +2.1% QoQ
+21.27% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 11.2% in tier
Non-Interest-Bearing Deposit Share ? 9.38%
-4.5% YoY +0.4% QoQ
-12.65% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 9.5% in tier
Nonperforming Asset Ratio ? 0.15%
-20.5% YoY +32.6% QoQ
-0.51% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 11.82%
+1.1% YoY +0.4% QoQ
-4.09% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.10%
-8.4% YoY +121.4% QoQ
-0.47% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 9.4%
-0.4pp YoY
0.0pp QoQ
 -12.8pp 22.1% 18.8% 22.2% 9%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 0.0%
0.0pp YoY
0.0pp QoQ
 -11.5pp 11.6% 10.2% 12.5% 0%
CRE 2.4%
-0.2pp YoY
+0.1pp QoQ
 -37.1pp 39.5% 34.2% 41.4% 0%
1-4 Family 97.7%
+0.2pp YoY
0.0pp QoQ
 +65.1pp 32.6% 50.0% 31.3% 99%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.7% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 11.8%
+0.1pp YoY
0.0pp QoQ
 -0.3pp 12.2% 12.9% 12.6% 63%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 48
+1 (+2.1%) YoY
+1 (+2.1%) QoQ
 -11 58 2,433 482 50%
Assets per Employee ($) $5.9M
-0.6% YoY
-2.4% QoQ
 -$1.7M $7.5M $7.6M $8.8M 31%
Branch Count 3
0 YoY
0 QoQ
 -2 4 81 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 48%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 18%
Allowance Coverage 2.68x
+26.3% YoY
-24.2% QoQ
 -21.47x 24.15x 18.95x 20.23x 56%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 3.9%
+0.5pp YoY
+0.7pp QoQ
 -8.3pp 12.2% 9.7% 11.6% 10%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 34%
Net Income ($, YTD) $638,000
+18.8% YoY
— QoQ
 -$1.9M $2.6M $259.3M $40.4M 14%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#81 of 529 • Bottom 15.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.45%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#203 of 691 • Bottom 29.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 99.22%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#114 of 361 • Bottom 31.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 82.60%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2394
Non-Interest-Bearing Deposit Share
funding
Value: 9.38%
Peer Median: 22.03%
#2394 of 2643 Bottom 9.5% in $100M-$1B
2349
Loan-to-Deposit Ratio
liquidity
Value: 99.22%
Peer Median: 77.95%
#2349 of 2643 Bottom 11.2% in $100M-$1B
2347
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.32%
#2347 of 2643 Bottom 11.2% in $100M-$1B
2344
Efficiency Ratio
profitability
Value: 82.60%
Peer Median: 64.48%
#2344 of 2643 Bottom 11.4% in $100M-$1B
2267
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.99%
#2267 of 2643 Bottom 14.3% in $100M-$1B
2168
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2168 of 2643 Bottom 18.0% in $100M-$1B
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