FAIRFIELD NATIONAL BANK, THE

FAIRFIELD, IL | Medium | Est. Feb. 3, 1903, midnight | FDIC #3792 | RSSD #640246 | OCC
Latest Report: 2025-12-31

FAIRFIELD NATIONAL BANK, THE is amn medium FDIC-insured commercial bank headquartered in FAIRFIELD, IL, established in Feb. 3, 1903, midnight. As of 2025-12-31, the bank reported total assets of $623M and total deposits of $421M. Profitability stands at 0.82% ROA and 8.04% ROE, with a net interest margin of 2.28%. The bank's CET1 capital ratio is 8.73%. Asset quality metrics show a non-performing loan ratio of 1.60% and a Texas Ratio of 7.07%. FDIC Certificate #3792.

Assets

$623M

Deposits

$421M

Loans

$300M

Equity

$64M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 8.04%
Net Interest Margin (NIM) 2.28%
Yield on Assets 4.48%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 1.60%
Net Charge-Off Ratio 0.08%
Texas Ratio 7.07%
NPA Ratio 0.77%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 8.73%
Tier 1 Capital 8.73%
Total Capital Ratio 9.17%
Leverage Ratio 11.99%
Loan-to-Deposit 71.31%

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