FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER

LANCASTER, OH | Small | Est. Jan. 1, 1895, midnight | FDIC #27806 | RSSD #666974 | OCC
Latest Report: 2025-12-31

FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER is asn small FDIC-insured commercial bank headquartered in LANCASTER, OH, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $279M and total deposits of $245M. Profitability stands at 0.43% ROA and 3.66% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 11.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 1.33%. FDIC Certificate #27806.

Assets

$279M

Deposits

$245M

Loans

$243M

Equity

$33M

Profitability

Return on Assets (ROA) 0.43%
Return on Equity (ROE) 3.66%
Net Interest Margin (NIM) 3.22%
Yield on Assets 4.83%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.33%
NPA Ratio 0.16%
ACL / Loans 0.48%

Capital & Liquidity

CET1 Ratio 11.79%
Tier 1 Capital 11.79%
Total Capital Ratio 12.38%
Leverage Ratio 11.78%
Loan-to-Deposit 98.90%

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