The Fairfield National Bank (FDIC certificate #3792) is based in Fairfield, Illinois. Its Q2 2026 call report shows $620.9M in total assets and $410.2M in deposits and 3 offices.
The Fairfield National Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 219th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 9% uninsured); earnings contributes the least (47/100, 0.69%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 15 points (50 → 65), mostly because the loan quality component improved by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 54 |
| Q1 2025 | 47 |
| Q2 2025 | 50 |
| Q3 2025 | 58 |
| Q4 2025 | 60 |
| Q1 2026 | 61 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.54% |
| Q3 2024 | 11.68% |
| Q4 2024 | 11.49% |
| Q1 2025 | 11.41% |
| Q2 2025 | 11.73% |
| Q3 2025 | 12.19% |
| Q4 2025 | 11.99% |
| Q1 2026 | 12.25% |
| Q2 2026 | 11.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.43% |
| Q3 2024 | 3.03% |
| Q4 2024 | 2.28% |
| Q1 2025 | 2.91% |
| Q2 2025 | 2.82% |
| Q3 2025 | 2.10% |
| Q4 2025 | 2.00% |
| Q1 2026 | 2.06% |
| Q2 2026 | 1.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $620.9M | 11.89% | 1.51% | 0.69% | 68.9% |
| Q1 2026 | 61 | $627.5M | 12.25% | 2.06% | 0.66% | 65.4% |
| Q4 2025 | 60 | $623.1M | 11.99% | 2.00% | 0.57% | 70.4% |
| Q3 2025 | 58 | $614.9M | 12.19% | 2.10% | 0.49% | 74.2% |
| Q2 2025 | 50 | $629.2M | 11.73% | 2.82% | 0.49% | 74.4% |
| Q1 2025 | 47 | $649.6M | 11.41% | 2.91% | 0.44% | 74.5% |
| Q4 2024 | 54 | $642.2M | 11.49% | 2.28% | 0.64% | 81.1% |
| Q3 2024 | 47 | $630.8M | 11.68% | 3.03% | 0.73% | 90.5% |
| Q2 2024 | 46 | $635.6M | 11.54% | 3.43% | 0.78% | 93.0% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| TrustBankBank Olney, IL | 68 out of 100, Moderate | $640.2M | 9.8% | 0.73% | vs |
| Bank & Trust CompanyBank Litchfield, IL | 75 out of 100, Strong | $641.3M | 11.3% | 0.37% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |
| Stillman BancCorp N.A.Bank Stillman Valley, IL | 66 out of 100, Moderate | $645.6M | 9.2% | 0.65% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
Deposit insurance
Is my money safe at The Fairfield National Bank?
Yes. The Fairfield National Bank is an FDIC-insured institution (FDIC certificate #3792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.0% of deposits ($36.8M) 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 11.89%, 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%).
3 locations
Branches
The Fairfield National Bank lists 3 offices in 3 cities. Most locations:
- Fairfield, IL (1)
- Grayille, IL (1)
- Wayne City, IL (1)
Identity & history
Profile
- Legal name
- The Fairfield National Bank
- Type
- National bank
- FDIC certificate #
- 3792
- RSSD ID
- 640246
- Primary regulator
- OCC
- Holding company
- Fairfield Bancshares Inc
- Established
- February 3, 1903
- Headquarters
- 220 E Main St, Fairfield, IL 62837
- Website
- www.fnbcommunitybank.com
- Employees
- 74
Quick answers
The Fairfield National Bank: common questions
Is The Fairfield National Bank FDIC insured?
Yes. The Fairfield National Bank is an FDIC-insured institution (FDIC certificate #3792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Fairfield National Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Fairfield National Bank ever failed?
There is no failure record for FDIC certificate #3792 in the FDIC failed bank list.
How many branches does The Fairfield National Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fairfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| First Community Bank, Xenia-FloraBank Xenia, IL | 86 out of 100, Very strong | $55.5M | 12.0% | 0.22% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| The First National Bank of AllendaleBank Allendale, IL | 69 out of 100, Moderate | $421.2M | 9.8% | 0.17% | vs |
| The Clay City Banking Co.Bank Clay City, IL | 68 out of 100, Moderate | $253.3M | 10.2% | 1.09% | vs |