Fairfield Federal Savings and Loan Association of Lancaster: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.78 percentage points in Q2 2026, from 105.66% to 108.44%. It was the largest change from Q1 2026 among the key lines here. Fairfield Federal Savings and Loan Association of Lancaster ranks 19th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 99.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fairfield Federal Savings and Loan Association of Lancaster sits 18.85 points higher, at 99.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.0M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 1.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $193K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.69% |
| Net loans and leases to deposits | 99.22% |
| Loans and leases to core deposits | 108.44% |
| Core deposits to total deposits | 91.93% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 100.00% | 93.33% | $0 | $992K |
| Q4 2023 | 102.04% | 92.82% | $0 | $3.8M |
| Q1 2024 | 103.00% | 93.14% | $0 | $5.8M |
| Q2 2024 | 101.52% | 93.08% | $0 | $660K |
| Q3 2024 | 103.30% | 92.86% | $0 | $2.6M |
| Q4 2024 | 102.39% | 92.69% | $0 | $484K |
| Q1 2025 | 99.67% | 92.48% | $0 | $418K |
| Q2 2025 | 99.94% | 92.34% | $0 | $369K |
| Q3 2025 | 100.30% | 92.28% | $0 | $320K |
| Q4 2025 | 98.90% | 92.62% | $0 | $265K |
| Q1 2026 | 97.67% | 92.44% | $0 | $229K |
| Q2 2026 | 99.69% | 91.93% | $0 | $193K |
Fairfield Federal Savings and Loan Association of Lancaster liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfield Federal Savings and Loan Association of Lancaster, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fairfield Federal Savings and Loan Association of Lancaster profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27806) · FFIEC NIC profile (RSSD 666974)