Total Assets
$279M
Total balance-sheet footings
FDIC Cert #27806 · Lancaster, Ohio · Est. 1895
Fairfield Federal Savings and Loan Association of Lancaster - FDIC Bank Health Profile
A community-scale look at Fairfield Federal Savings and Loan Association of Lancaster's own numbers, pulled straight from its quarterly FDIC Call Report.
- $279M
- Total assets
- C
- Health grade · Fair
- 0.42%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Fairfield Federal Savings and Loan Association of Lancaster earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.78% Tier 1, 0.42% ROA, 83% efficiency ratio.
- #2,596
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 11.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 27806 · OH C · 55/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-C C (55/100)
- BOTTOM-DECILE #4034/4307
- PHOTO-FINISH Huntington Federal S… · WV
- TIER1-WELL 11.8% Tier 1
- TEXAS-CLEAN 1.1% Texas
- ROA-THIN 0.42% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Ohio: Huntington Federal Savings Bank, WV (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Fairfield Federal Savings and Loan As…
Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.
Call Report read for Fairfield Federal Savings and Loan As… in a high-failure state
Fairfield Federal Savings and Loan Association of Lancaster (FDIC Cert #27806) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,034 of 4,307. Tier 1 capital prints at 11.78%, clearing the 10% well-capitalized line. The Texas Ratio is 1.06%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.42%. Balance-sheet scale is $279M, 2,596th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Huntington Federal Savings Bank (WV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Fairfield Federal Savings and Loan As…
9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus
Fairfield Federal Savings and Loan Association of Lancaster sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Fairfield Federal Savings and Loan Association of Lancaster's current Call Report.
- RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
- COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
- BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.
How Fairfield Federal Savings and Loan Association of Lancaster's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.78%) 28/40
Return on Assets (ROA) (0.42%) 7/25
Texas Ratio (1.06%) 20/20
Efficiency Ratio (83.43%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$245M
Customer-funded liabilities
Net Loans
$241M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Fairfield Federal Savings and Loan Association of Lancaster ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fairfield Federal Savings and Loan Association of Lancaster's score of 55/100 falls in the highlighted band.
Fairfield Federal Savings and Loan Association of Lancaster: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
55 6th percentile higher than 6% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Fairfield Federal Savings and Loan Association of Lancaster's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fairfield Federal Savings and Loan Association of Lancaster's $279M falls in the highlighted band.
Capital & credit buffers at Fairfield Federal Savings and Loan As…
Tier 1 capital ratio
Well-capitalized 10%
11.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.78%
Texas Ratio
1.06%
Equity Capital
$33M
Profitability metrics: Fairfield Federal Savings and Loan As…
Return on Assets (ROA)
13th percentile nationally
0.42%
Return on Equity (ROE)
3.57%
Efficiency Ratio
83.43%
Income & expense at Fairfield Federal Savings and Loan As…
$12M
Interest Income
$624K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Fairfield Federal Savings and Loan Association of Lancaster reports a Texas Ratio of 1.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($279M here), outside Ohio so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fairfield Federal Savings and Loan Association of Lancaster (FDIC Cert #27806) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Fairfield Federal Savings and Loan Association of Lancaster Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |