The Fairfield National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Fairfield National Bank of Fairfield, IL 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 | 0.68% | 1.34% | -0.66% | 19th bottom |
| ROAE | 6.78% | 13.32% | -6.54% | 20th bottom |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 4th bottom |
| Efficiency Ratio | 70.69% | 61.13% | +9.56% | 27th below |
| PPNR / Avg Assets | 0.57% | 1.68% | -1.11% | 10th bottom |
| Yield on Earning Assets | 4.60% | 5.67% | -1.07% | 11th bottom |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 28th below |
| Net Interest Spread | 2.26% | 3.32% | -1.06% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.14% | 0.94% | +0.20% | 25th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.70% | -0.17% | 37th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.16% | -0.03% | 16th bottom |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 46th below |
| ACL / NPLs (Coverage) | 101.93% | 1539.62% | -1437.69% | 28th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.89% | 7.33% | -0.44% | 32nd below |
| Provision / NCO | -16.34% | 1396.78% | -1413.12% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.89% | 12.14% | -0.25% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.42% | 11.37% | -0.95% | 51st above |
| TCE / Tangible Assets | 9.65% | 11.09% | -1.44% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.68% | 80.64% | -10.96% | 71st above |
| Core Deposit Ratio | 85.49% | 86.86% | -1.37% | 32nd below |
| Wholesale Funding Ratio | 22.21% | 5.02% | +17.19% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.31% | 6.86% | -8.17% | 13th bottom |
| Loan Growth (Y/Y) | -12.69% | 7.91% | -20.60% | 2nd bottom |
| Deposit Growth (Y/Y) | -5.48% | 6.29% | -11.77% | 6th bottom |
See The Fairfield National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Fairfield National Bank, 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 The Fairfield National Bank profile, how to read a UBPR, or how this data updates.