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The Fairfield National Bank
Fairfield, IL · FDIC Certificate #3792 · Chartered 02/0
Total assets
$620.90M
Total deposits
$410.21M
Total equity
$64.72M
Net loans
$282.50M
Branches (offices)
3
Net income (YTD)
$2.14M
Rank: #1,521 of 4,213 U.S. banks by assets · #88 of 322 in Illinois. Assets changed -1.3% and deposits -5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.69% |
| Return on equity | 6.60% |
| Net interest margin (YTD) | 2.42% |
| Equity to assets | 10.42% |
| Tier 1 leverage ratio | 11.89% |
| Uninsured deposits (share of deposits) | 9.0% |
| Noncurrent loans (share of loans) | 1.51% |
| Net charge-offs (share of loans) | 0.31% |
| Loans to deposits | 68.9% |
| Real estate loans (share of loans) | 57.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $162.71M | 57.6% | |
| Commercial & industrial | $77.37M | 27.4% | |
| Consumer / individual | $4.35M | 1.5% | |
| Construction & development | $337.00K | 0.1% | |
| Agricultural | $37.17M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $667.20M | $443.44M | $3.30M | $54.81M |
| Jun 2023 | $645.47M | $395.94M | $3.07M | $60.49M |
| Jun 2024 | $635.57M | $418.73M | $2.47M | $58.37M |
| Jun 2025 | $629.16M | $434.00M | $1.57M | $56.01M |
| Jun 2026 | $620.90M | $410.21M | $2.14M | $64.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $410.21M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $410.21M.
Similar-sized banks
First Federal Bank & Trust ($621.05M) · Claremont Savings Bank ($619.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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