TellerScore

Fairfield Federal Savings and Loan Association of Lancaster is a savings bank headquartered in Lancaster, Ohio, in business for about 131 years. At the end of Q2 2026 it reported $281.5M in total assets and $247.4M in deposits, with 3 offices.

Fairfield Federal Savings and Loan Association of Lancaster has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 80th. Problem-loan coverage contributes the most (97/100, 1.3%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.82%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 99.2% · 4.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 70).

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202466
Q1 202569
Q2 202569
Q3 202570
Q4 202571
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%8.43%11.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.52%
Q3 202411.60%
Q4 202411.69%
Q1 202511.87%
Q2 202511.69%
Q3 202511.74%
Q4 202511.78%
Q1 202611.78%
Q2 202611.82%
Noncurrent loans
0.14%0.36%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.59%
Q3 20240.52%
Q4 20240.31%
Q1 20250.24%
Q2 20250.22%
Q3 20250.16%
Q4 20250.15%
Q1 20260.14%
Q2 20260.18%
Return on assets
0.14%0.30%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.17%
Q4 20240.18%
Q1 20250.29%
Q2 20250.39%
Q3 20250.41%
Q4 20250.42%
Q1 20260.37%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$281.5M11.82%0.18%0.45%99.2%
Q1 202670$282.5M11.78%0.14%0.37%97.2%
Q4 202571$278.9M11.78%0.15%0.42%98.4%
Q3 202570$275.9M11.74%0.16%0.41%99.8%
Q2 202569$277.2M11.69%0.22%0.39%99.5%
Q1 202569$277.1M11.87%0.24%0.29%99.2%
Q4 202466$270.7M11.69%0.31%0.18%101.9%
Q3 202464$270.3M11.60%0.52%0.17%102.8%
Q2 202463$273.5M11.52%0.59%0.14%101.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.82%
63rd
Total risk-based capital0.00%
24th
Problem loans0.18%
67th
Net charge-offs-0.01%
87th
Return on assets0.45%
11th
Net interest margin3.14%
14th
Efficiency ratio82.6%
11th
Loans to deposits99.2%
11th
Uninsured deposits4.4%
99th
Loan-loss reserves0.47%
3rd
Texas ratio1.3%
66th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Bank of OhioBank Galion, OH75 out of 100, Strong$282.9M13.7%0.93%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Community SavingsBank Caldwell, OH70 out of 100, Strong$284.7M12.4%0.88%vs
The Fort Jennings State BankBank Fort Jennings, OH75 out of 100, Strong$285.8M12.7%1.09%vs
Peoples State BankBank New Lexington, OH61 out of 100, Moderate$286.5M8.3%0.60%vs
Somerville BankBank Eaton, OH60 out of 100, Moderate$290.6M9.5%1.10%vs

Deposit insurance

Is my money safe at Fairfield Federal Savings and Loan Association of Lancaster?

Yes. Fairfield Federal Savings and Loan Association of Lancaster is an FDIC-insured institution (FDIC certificate #27806). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.4% of deposits ($10.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Fairfield Federal Savings and Loan Association of Lancaster lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fairfield Federal Savings and Loan Association of Lancaster reported 139 home-loan applications under HMDA (LEI 549300SICEH17XJOAN86): 92 originated ($19,560,000 total), 14 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fairfield Federal Savings and Loan Association of Lancaster
Former names
Fairfield Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
27806
RSSD ID
666974
Primary regulator
OCC
Established
January 1, 1895
Headquarters
111 E Main St, Lancaster, OH 43130
Employees
48

Quick answers

Fairfield Federal Savings and Loan Association of Lancaster: common questions

Is Fairfield Federal Savings and Loan Association of Lancaster FDIC insured?

Yes. Fairfield Federal Savings and Loan Association of Lancaster is an FDIC-insured institution (FDIC certificate #27806). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fairfield Federal Savings and Loan Association of Lancaster's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fairfield Federal Savings and Loan Association of Lancaster ever failed?

There is no failure record for FDIC certificate #27806 in the FDIC failed bank list.

How many branches does Fairfield Federal Savings and Loan Association of Lancaster have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lancaster

InstitutionScoreAssetsCapitalProblem loansCompare
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Adelphi BankBank Columbus, OH80 out of 100, Strong$124.5M15.8%0.00%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
Union Savings BankBank Cincinnati, OH74 out of 100, Strong$4.0B10.5%0.70%vs