Fairfield Federal Savings and Loan Association of Lancaster
Fairfield Federal Savings and Loan Association of Lancaster is an FDIC-insured savings institution headquartered in Lancaster, OH, supervised by the OCC, with $281.5M in total assets at Q2 2026, up 1.5% from Q2 2025, the 81st largest of 154 banks headquartered in Ohio. It was established in 1895 and holds FDIC certificate 27806. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.82% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27806
- Headquarters
- Lancaster, OH
- Established
- 1895
- Total assets, Q2 2026
- $281.5M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 11.82%
- Domestic offices
- 3 · Fairfield Federal Savings and Loan Association of Lancaster branches FDIC institution directory, current count
- Routing number
- 244171245
- Safety and soundness
- Is Fairfield Federal Savings and Loan Association of Lancaster safe?
- Latest call report
- Q2 2026, FFIEC 051 · Fairfield Federal Savings and Loan Association of Lancaster Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 81st of 154 in Ohio
Fairfield Federal Savings and Loan Association of Lancaster, based in Lancaster, Ohio, reported $281 million in assets at June 30, 2026, up 1.5% from a year earlier. It holds commercial real estate loans equal to only 13% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it returns 4.5% a year on shareholders' equity, about a third the median of 12.6% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $375,000. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, Fairfield Federal Savings and Loan Association of Lancaster reported a return on assets of 0.53%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fairfield Federal Savings and Loan Association of Lancaster is the 81st largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $281.5M, loans rose 1.5% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 97.2% of total loans, followed by multifamily loans at 0.8%. The FDIC Summary of Deposits lists 3 offices for it, in Lancaster, OH and Pickerington, OH; its Lancaster 2 offices book 77% of its branch deposits. On its Q2 2026 call report, Fairfield Federal Savings and Loan Association of Lancaster meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 E Main St, Lancaster, OH 43130
- County
- Fairfield
- Metro Area
- Columbus, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $247.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $283.0M
- Average total loans
- $244.5M
- Average interest-bearing deposits
- $221.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27806
- Fed RSSD
- 666974
- Website
- www.fairfieldfederal.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fairfield Federal Savings and Loan Association of Lancaster reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fairfield Federal Savings and Loan Association of Lancaster's total assets ran between $270.3M (Q3 2024) and $282.5M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$281.5M total assets against $277.2M; $248.1M total liabilities against $245.0M.
$245.5M net loans and leases against $243.0M; $247.4M total deposits against $244.3M.
$14.2M securities against $12.9M; $14.8M cash and balances due against $14.7M.
$3.2M total interest income against $3.1M; $1.0M total interest expense against $1.0M.
$2.2M net interest income against $2.1M.
$152K total noninterest income against $150K; $1.9M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$375K net income against $339K.
0.53% return on assets against 0.49%; 3.13% net interest margin against 3.02%.
11.82% tier 1 leverage ratio against 11.69%.
Inside the full Fairfield Federal Savings and Loan Association of Lancaster terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFairfield Federal Savings and Loan Association of Lancaster rankings
Its closest position to the top of a national ranking is 2,552 of 4,196, for total assets; its furthest is 3,244 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.19% (Q4 2024) to 0.53% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.13% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.82% | 0.53% | 0.18% | 1.26% | 3.13% |
| Q1 2026 | 11.78% | 0.37% | 0.14% | 0.96% | 3.07% |
| Q4 2025 | 11.78% | 0.43% | 0.15% | 1.57% | 3.02% |
| Q3 2025 | 11.74% | 0.45% | 0.16% | 1.69% | 2.99% |
| Q2 2025 | 11.69% | 0.49% | 0.22% | 1.62% | 3.02% |
| Q1 2025 | 11.87% | 0.29% | 0.24% | 1.80% | 2.85% |
| Q4 2024 | 11.69% | 0.19% | 0.31% | 2.28% | 2.76% |
| Q3 2024 | 11.60% | 0.23% | 0.52% | 3.92% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fairfield Federal Savings and Loan Association of Lancaster (main office) | Lancaster , OH | 43130 | $128.3M |
| W Fair Ave Branch | Lancaster , OH | 43130 | $61.4M |
| Crosscreeks Blvd Branch | Pickerington , OH | 43147 | $57.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 91 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 186 applications, 92 loans originated, $19.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fairfield Federal Savings and Loan Association of Lancaster
What are Fairfield Federal Savings and Loan Association of Lancaster's total assets?
As of the Q2 2026 filing, Fairfield Federal Savings and Loan Association of Lancaster reported total assets of $281.5 million in its FFIEC call report.
Where is Fairfield Federal Savings and Loan Association of Lancaster headquartered?
It is headquartered in Lancaster, OH, United States.
When was Fairfield Federal Savings and Loan Association of Lancaster founded?
It was established in 1895, per the FDIC institution directory.
Is Fairfield Federal Savings and Loan Association of Lancaster FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27806). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fairfield Federal Savings and Loan Association of Lancaster?
Fairfield Federal Savings and Loan Association of Lancaster's primary federal regulator is the OCC.
How many branches does Fairfield Federal Savings and Loan Association of Lancaster operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fairfield Federal Savings and Loan Association of Lancaster's Texas Ratio?
Its Texas Ratio is 1.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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