The Fairfield National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.66 percentage points higher than in Q1 2026, at 101.93%. The Fairfield National Bank ranks 251st of 323 Illinois banks on return on assets, in the lower half at 0.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Fairfield National Bank sits 0.57 points lower, at 0.68% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.89% |
| Equity capital to assets | 10.42% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.14% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 6.89% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 101.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 6.78% |
| Net interest margin | 2.60% |
| Efficiency ratio | 70.69% |
| Yield on earning assets | 4.60% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.68% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 3.66% |
| Deposits to assets | 66.07% |
| Securities to assets | 44.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.01% | 0.82% | 2.32% | 1.43% | 0.07% |
| Q4 2023 | 11.08% | -3.04% | 1.79% | 1.33% | 0.04% |
| Q1 2024 | 11.46% | 0.80% | 2.30% | 1.37% | -0.01% |
| Q2 2024 | 11.54% | 0.69% | 2.19% | 2.07% | 2.11% |
| Q3 2024 | 11.68% | 0.62% | 2.21% | 2.31% | 0.02% |
| Q4 2024 | 11.49% | 0.34% | 2.28% | 1.50% | 3.93% |
| Q1 2025 | 11.41% | 0.42% | 2.09% | 1.80% | -0.09% |
| Q2 2025 | 11.73% | 0.52% | 2.13% | 1.78% | 0.54% |
| Q3 2025 | 12.20% | 0.47% | 2.35% | 1.63% | -0.17% |
| Q4 2025 | 11.99% | 0.78% | 2.56% | 1.60% | 0.02% |
| Q1 2026 | 12.25% | 0.64% | 2.55% | 1.69% | 0.49% |
| Q2 2026 | 11.89% | 0.68% | 2.60% | 1.14% | 0.13% |
The Fairfield National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fairfield National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 The Fairfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3792) · FFIEC NIC profile (RSSD 640246)