Fairfield Federal Savings and Loan Association of Lancaster: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fairfield Federal Savings and Loan Association of Lancaster of Lancaster, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.53% | 1.34% | -0.81% | 14th bottom |
| ROAE | 4.52% | 13.32% | -8.80% | 13th bottom |
| Net Interest Margin | 3.13% | 3.93% | -0.80% | 14th bottom |
| Efficiency Ratio | 80.04% | 61.13% | +18.91% | 14th bottom |
| PPNR / Avg Assets | 0.66% | 1.68% | -1.02% | 11th bottom |
| Yield on Earning Assets | 4.58% | 5.67% | -1.09% | 10th bottom |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 2.80% | 3.32% | -0.52% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 73rd above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 0.47% | 1.28% | -0.81% | 2nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 521.43% | 1538.98% | -1017.55% | 72nd above |
| Texas Ratio | 1.26% | 7.33% | -6.07% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.82% | 12.14% | -0.32% | 63rd above |
| Equity / Assets | 11.85% | 11.37% | +0.48% | 70th above |
| TCE / Tangible Assets | 11.85% | 11.09% | +0.76% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.69% | 80.63% | +19.06% | 12th bottom |
| Core Deposit Ratio | 91.93% | 86.86% | +5.07% | 67th above |
| Wholesale Funding Ratio | 0.07% | 5.04% | -4.97% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.53% | 6.85% | -5.32% | 29th below |
| Loan Growth (Y/Y) | 1.03% | 7.90% | -6.87% | 27th below |
| Deposit Growth (Y/Y) | 1.28% | 6.29% | -5.01% | 31st below |
See Fairfield Federal Savings and Loan Association of Lancaster's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fairfield Federal Savings and Loan Association of Lancaster, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Fairfield Federal Savings and Loan Association of Lancaster profile, how to read a UBPR, or how this data updates.