Side-by-side · Q2 2026 data
German American Bank vs Fairfield Federal Savings and Loan Association of Lancaster
Bank
Fairfield Federal Savings and Loan Association of Lancaster
Lancaster, Ohio · $100 million – $1 billion
Metric by metric
| Measure | German American Bank | Fairfield Federal Savings and Loan Association of Lancaster |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 62 | 68 (stronger) |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 91 (stronger) | 38 |
| Funding & liquidity | 46 | 61 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 77th | 43rd |
| Total assets | $8.4B | $281.5M |
| Deposits / shares | $7.1B | $247.4M |
| Capital ratio | 11.19% | 11.82% (stronger) |
| Problem loans | 0.45% | 0.18% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.76% (stronger) | 0.45% |
| Loans ÷ deposits | 83.0% (stronger) | 99.2% |
| Uninsured deposits | 42.8% | 4.4% (stronger) |
| Offices | 89 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 11.4% |
German American Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 3 and Fairfield Federal Savings and Loan Association of Lancaster on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.