Fairfield Federal Savings and Loan Association of Lancaster: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.02 percentage points in Q2 2026, from 97.67% to 99.69%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Fairfield Federal Savings and Loan Association of Lancaster is 19th of 156 on loan-to-deposit ratio, 99.69% as of Q2 2026, above the middle of the field. Fairfield Federal Savings and Loan Association of Lancaster reported 99.69% on loan-to-deposit ratio for Q2 2026, 18.85 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.6M |
| Net loans and leases | $245.5M |
| Loans held for sale | $0 |
| Loans to total assets | 87.63% |
| Loan-to-deposit ratio | 99.69% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.96% |
| Multifamily (5+ residential) | 0.84% |
| Commercial and industrial | 0.03% |
| Consumer | 0.33% |
| Credit cards | 0.33% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.75% |
| Construction concentration (Tier 1 capital + allowance) | 4.27% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.68% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $244.2M | $244.2M | 1.57% | 0.02% | 0.34% |
| Q4 2023 | $247.6M | $242.7M | 1.52% | 0.02% | 0.34% |
| Q1 2024 | $245.5M | $238.4M | 1.50% | 0.03% | 0.32% |
| Q2 2024 | $245.2M | $241.5M | 1.62% | 0.03% | 0.33% |
| Q3 2024 | $243.9M | $236.1M | 1.60% | 0.03% | 0.33% |
| Q4 2024 | $244.1M | $238.4M | 1.53% | 0.03% | 0.35% |
| Q1 2025 | $243.8M | $244.7M | 1.49% | 0.03% | 0.32% |
| Q2 2025 | $244.1M | $244.3M | 1.47% | 0.02% | 0.32% |
| Q3 2025 | $243.3M | $242.6M | 1.44% | 0.03% | 0.32% |
| Q4 2025 | $242.7M | $245.4M | 1.40% | 0.04% | 0.33% |
| Q1 2026 | $243.0M | $248.8M | 1.01% | 0.05% | 0.33% |
| Q2 2026 | $246.6M | $247.4M | 0.96% | 0.03% | 0.33% |
Fairfield Federal Savings and Loan Association of Lancaster loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfield Federal Savings and Loan Association of Lancaster, freeSource: Call Report Schedule RC-C, 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)