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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lancaster, OH · FDIC certificate #27806
FAIRFIELD FS&LA OF LANCASTER is an FDIC-insured institution based in Lancaster, OH (FDIC certificate #27806). In its Q3 2026 Call Report it reported total assets of $283M, total deposits of $248M and net loans of $246M. Its primary federal regulator is OCC.
Plain-language readout
FAIRFIELD FS&LA OF LANCASTER has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $283M in Q3 2026 and were lowest at $281M in Q2 2026.
Total deposits were highest at $249M in Q1 2026 and lowest at $247M in Q2 2026.
Over the whole period total assets rose 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $283M | $248M | $246M | 0.45% | 3.84% | 3.14% |
| Q2 2026 | $281M | $247M | $245M | 0.45% | 3.85% | 3.14% |
| Q1 2026 | $282M | $249M | $242M | 0.37% | 3.19% | 3.10% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.9M | $16.2M | -$5.3M | -32.9% |
| Federal funds sold | $3.9M | $3.3M | +$579K | +17.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $14.2M | $14.3M | -$64K | -0.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $245.5M | $241.8M | +$3.7M | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.3M | +$78K | +3.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.6M | $4.5M | +$62K | +1.4% |
| Total assets | $281.5M | $282.5M | -$1.0M | -0.4% |
| Liabilities | ||||
| Total deposits | $247.4M | $248.8M | -$1.4M | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $193K | $229K | -$36K | -15.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $499K | $428K | +$71K | +16.6% |
| Total liabilities | $248.1M | $249.4M | -$1.3M | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $33.5M | $33.1M | +$375K | +1.1% |
| Accumulated other comprehensive income | -$87K | -$20K | -$67K | -335.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.4M | $33.1M | +$308K | +0.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $436K | $330K | +$106K | +32.1% |
| Adjusted nonperforming assets | $436K | $330K | +$106K | +32.1% |
| Tangible equity plus allowance | $34.5M | $34.2M | +$309K | +0.9% |
| Texas ratio (gross) | 1.26% | 0.96% | +0.30 pts | See points |
| Texas ratio (adjusted) | 1.26% | 0.96% | +0.30 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.26% | 0.96% | +0.30 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.82% | 11.78% | +0.04 pts | See points |
| Construction and land loans to total capital | 4.27% | 2.89% | +1.38 pts | See points |
| Commercial real estate to total capital | 12.75% | 12.05% | +0.70 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.33% | -0.08% | -0.26 pts | See points |
| Liquidity | ||||
| Core deposits | $227.4M | $230.0M | -$2.5M | -1.1% |
| Non-core funding | $20.2M | $19.0M | +$1.1M | +5.9% |
| Loans to core deposits | 108.44% | 105.66% | +2.78 pts | See points |
| Loans to deposits | 99.69% | 97.67% | +2.02 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 20.88% | 20.96% | -0.08 pts | See points |
| Loans pledged, share of loans | 89.61% | 90.18% | -0.57 pts | See points |
| Volatile liabilities | $20.2M | $19.0M | +$1.1M | +5.9% |
| Earnings | ||||
| Earnings before provision, year to date | $793K | $329K | +$464K | +141.0% |
| Earnings before provision, single quarter | $464K | $329K | +$135K | +41.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 4.68% | 4.64% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.53% | 2.87% | +0.66 pts | See points |
| Total interest income to average assets | 4.49% | 4.42% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.02% | 0.02% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.11% | 0.11% | +0.00 pts | See points |
| Cost of time deposits | 3.48% | 3.47% | +0.02 pts | See points |
| Total interest expense to average assets | 1.42% | 1.42% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $283M | $248M | $246M | 0.45% | 3.84% | 3.14% |
| 2026-06-30 | $281M | $247M | $245M | 0.45% | 3.85% | 3.14% |
| 2026-03-31 | $282M | $249M | $242M | 0.37% | 3.19% | 3.10% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $244.3M | 0.04% | 92 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.