Bank · FDIC insured
Fairfield Federal Bank
A $281.5M bank headquartered in Lancaster, OH, with 3 branches in Ohio. Best rates: CDs 3.66% and savings 0.05% APY.
Fairfield Federal Bank Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#44 of 47 in Columbus, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Fairfield Federal Bank
Fairfield Federal has served its community since 1895 and maintains its main office in Lancaster, Ohio.
Its primary business is making loans for the purchase, construction, and refinance of homes.
- Headquarters
- 111 E Main St, Lancaster, OH 43130
- FDIC certificate
- 27806 ↗
Branches
3 branches in Ohio
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Ohio
3 branches
- Fairfield Federal Savings and Loan Association of LancasterMain office111 E Main St, Lancaster, OH 43130Directions
- W Fair Ave Branch1100 W Fair Ave, Lancaster, OH 43130Directions
- Crosscreeks Blvd Branch1515 Cross Creeks Blvd, Pickerington, OH 43147Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.82% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.45% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $100 | $81 | — |
- CapitalLeverage ratio11.82%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.45%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$100Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Fairfield Federal Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.