Side-by-side · Q2 2026 data
Somerville 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 | Somerville Bank | Fairfield Federal Savings and Loan Association of Lancaster |
|---|---|---|
| TellerScore | 60 | 70 (stronger) |
| Capital cushion | 45 | 68 (stronger) |
| Loan quality | 63 | 94 (stronger) |
| Earnings | 50 (stronger) | 38 |
| Funding & liquidity | 84 (stronger) | 61 |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 19th | 43rd |
| Total assets | $290.6M | $281.5M |
| Deposits / shares | $260.7M | $247.4M |
| Capital ratio | 9.54% | 11.82% (stronger) |
| Problem loans | 1.10% | 0.18% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.74% (stronger) | 0.45% |
| Loans ÷ deposits | 75.9% (stronger) | 99.2% |
| Uninsured deposits | 11.0% | 4.4% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | 11.4% |
Fairfield Federal Savings and Loan Association of Lancaster has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 2 and Fairfield Federal Savings and Loan Association of Lancaster on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.