The Fairfield National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Fairfield National Bank is an FDIC-insured commercial bank headquartered in Fairfield, IL, established in 1903 (FDIC certificate 3792), and it is supervised by the OCC. At Q2 2026 it reported total assets of $620.9M, down 1.3% from Q2 2025, the 87th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3792
- Headquarters
- Fairfield, IL
- Established
- 1903
- Total assets, Q2 2026
- $620.9M
- Assets vs Q2 2025
- -1.3%
- Tier 1 leverage ratio, Q2 2026
- 11.89%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081205727
- Latest call report
- Q2 2026, FFIEC 041 · The Fairfield National Bank call report
- Holding company
- FAIRFIELD BANCSHARES, INC.
- Asset rank in state
- 87th of 319 in Illinois
The Fairfield National Bank, based in Fairfield, Illinois, reported $621 million in assets at June 30, 2026, down 1.3% from a year earlier. It keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 13% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.51% of loans from 2.82%. The balance sheet shrank over the year: over the year loans fell 12.7% and deposits fell 5.5%. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, The Fairfield National Bank reported a return on assets of 0.68%, a nonperforming-loan ratio of 1.51% and a Texas ratio of 6.89%. The figures come from its call report filed with the FFIEC.
The Fairfield National Bank ranks as the 87th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $620.9M, loans rose 1.8% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 27.1% of total loans, ahead of farmland and other real estate loans at 23.1%. The FDIC Summary of Deposits lists 3 offices for it, in Fairfield, IL, Wayne City, IL and Grayille, IL; its Fairfield office books 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Fairfield National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 E Main St, Fairfield, IL 62837
- County
- Wayne
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 3, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $410.2M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $453K
- Average total assets
- $647.5M
- Average total loans
- $284.8M
- Average interest-bearing deposits
- $378.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3792
- Fed RSSD
- 640246
- Parent Holding Company
- FAIRFIELD BANCSHARES, INC. (RSSD 2107305)
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. 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, The Fairfield National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Fairfield National Bank's total assets moved between a low of $614.9M (Q3 2025) and a high of $649.6M (Q1 2025) from Q3 2023 to Q2 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
$620.9M total assets against $629.2M; $556.2M total liabilities against $573.2M.
$282.5M net loans and leases against $322.8M; $410.2M total deposits against $434.0M.
$277.5M securities against $199.8M; $10.6M cash and balances due against $50.6M.
$6.4M total interest income against $6.3M; $3.0M total interest expense against $3.4M.
$3.4M net interest income against $2.9M.
$951K total noninterest income against $950K; $3.5M total noninterest expense against $3.2M.
$0 provision for credit losses against $0.
$1.1M net income against $870K.
0.68% return on assets against 0.52%; 2.60% net interest margin against 2.13%.
11.89% tier 1 leverage ratio against 11.73%.
Inside the full The Fairfield National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Fairfield National Bank rankings
Its closest position to the top of a national ranking is 968 of 3,640, for Texas Ratio; its furthest is 3,043 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.34% (Q4 2024) to 0.78% (Q4 2025) and its net interest margin ran from 2.09% (Q1 2025) to 2.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 0.68% | 1.51% | 6.89% | 2.60% |
| Q1 2026 | 12.25% | 0.64% | 2.06% | 9.03% | 2.55% |
| Q4 2025 | 11.99% | 0.78% | 2.00% | 9.58% | 2.56% |
| Q3 2025 | 12.20% | 0.47% | 2.10% | 10.56% | 2.35% |
| Q2 2025 | 11.73% | 0.52% | 2.82% | 16.69% | 2.13% |
| Q1 2025 | 11.41% | 0.42% | 2.91% | 17.14% | 2.09% |
| Q4 2024 | 11.49% | 0.34% | 2.28% | 14.15% | 2.28% |
| Q3 2024 | 11.68% | 0.62% | 3.03% | 17.58% | 2.21% |
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 |
|---|---|---|---|
| The Fairfield National Bank | Fairfield , IL | 62837 | $268.6M |
| Bean Capital Banking Center Branch | Wayne City , IL | 62895 | $98.7M |
| Grayville Banking Center Branch | Grayille , IL | 62844 | $42.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 12, 2024, OCC: Formal Agreement: The Fairfield National Bank
- Period: Most recent institution action November 12, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 126 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 The Fairfield National Bank
What are The Fairfield National Bank's total assets?
As of the Q2 2026 filing, The Fairfield National Bank reported total assets of $620.9 million in its FFIEC call report.
Where is The Fairfield National Bank headquartered?
It is headquartered in Fairfield, IL, United States.
When was The Fairfield National Bank founded?
It was established in 1903, per the FDIC institution directory.
Is The Fairfield National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Fairfield National Bank?
The Fairfield National Bank's primary federal regulator is the OCC.
How many branches does The Fairfield National Bank 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 The Fairfield National Bank's Texas Ratio?
Its Texas Ratio is 6.89% 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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