The Fairfield National Bank: how it compares with its peers
Against 104 IL banks with half to twice its assets, The Fairfield National Bank's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $7.4M peer median). Its weakest relative measure is net interest margin (2.42% vs. 3.68%).
| Measure | The Fairfield National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.69% | 1.17% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.42% | 3.68% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.00% | 61.67% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.4M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.87% | 78.49% | Context |
What it means for lending operations
Its efficiency ratio of 79.00% is above the 61.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Carmi Carmi, IL · $622M
- TrustBank Olney, IL · $640M
- Bank & Trust Company Litchfield, IL · $641M
- Legence Bank Eldorado, IL · $643M
- Stillman BancCorp N.A. Stillman Valley, IL · $646M
- First Eagle Bank Chicago, IL · $650M
Questions about The Fairfield National Bank
How big is The Fairfield National Bank?
The Fairfield National Bank, established in 1903, is headquartered in Fairfield, IL. It reported $621M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Fairfield National Bank's return on assets?
0.69% annualized in Q2 2026, against a 1.17% median for 104 IL banks with half to twice its assets, ahead of 16% of them.
What is The Fairfield National Bank's efficiency ratio?
79.00% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 61.67%, and lower is better.
Is The Fairfield National Bank growing its loans?
Net loans shrank 12.5% over the year to Q2 2026, while deposits shrank 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.