The Fairfield National Bank
Fairfield, IL
IDRSSD: 640246
Total Assets
$614.86M
Latest filing
Total Deposits
$413.75M
Latest filing
Net Interest Margin
2.26%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Fairfield National Bank
220 E Main St
Fairfield, IL 62837
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/03/1903FDIC Certificate 2455
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Fairfield National Bank (Main) | 220 E Main St | Fairfield, IL |
| BEAN CAPITAL BANKING CENTER BRANCH | 204 North Main Street | Wayne City, IL |
| GRAYVILLE BANKING CENTER BRANCH | 113 South Court Street | Grayille, IL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/03/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62837 |
| State and County Number | 17191 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnbcommunitybank.com |
| Data Updated | 11/14/2025 |
| CERT | 3792 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $614.86M |
| Total Deposits | $413.75M |
| Total Liabilities | $552.26M |
| Total Equity Capital | $62.60M |
| Net Income | $752.00k |
| Net Loans and Leases | $307.13M |
| Assets Per Employee ($Millions) | $8.42M |
| Bank Premises and Fixed Assets | $8.15M |
| Cash and Balances due from Depository Institutions | $32.12M |
| Deposits Held in Domestic Offices | $413.75M |
Key Performance Ratios
| Return on Assets (ROA) | 0.48% |
| Return on Equity (ROE) | 5.07% |
| Net Interest Margin | 2.26% |
| Efficiency Ratio | 82.73% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.181% |
| Earning Assets to total Assets | 88.28% |
Income and Expense
| Total Interest Income | $6.29M |
| Total Noninterest Income | $927.00k |
| Total Interest Expense | $3.19M |
| Total Noninterest Expense | $3.33M |
| Net Interest Income | $3.09M |
| Pre-tax Net Operating Income | $830.00k |
| Provision for Credit Losses | $-136,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $130.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.00M |
| All Other Liabilities | $7.51M |
| Total Liabilities and Capital | $614.86M |
Securities
| Securities | $221.21M |
| Available-for-sale debt securities | $221.21M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Fairfield National Bank?
$614.86M as of the latest filing.
How much are The Fairfield National Bank's total deposits?
$413.75M in total deposits.
Where is The Fairfield National Bank located?
Fairfield, IL.
What is the Net Interest Margin?
2.26%.
How many domestic offices does it operate?
3.
When was it established?
02/03/1903.
What is the Return on Assets (ROA)?
0.48%.
How much are total loans and leases?
$307.13M (latest filing).
What is the total interest income (latest filing)?
$6.29M.