# FAIRFIELD NATIONAL BANK
FAIRFIELD, IL · FDIC certificate 3792 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $620.9M | |
| Deposits | $410.2M | |
| Loans and leases | $285.8M | |
| Total equity | $64.7M | |
| Loans / deposits | 68.87% (p24 of band) | 82.04% |
| Liquid assets / assets | 46.40% (p90 of band) | |
| Uninsured deposits / deposits | 8.98% (p3 of band) | 25.97% |
| Brokered deposits | 2.42% | |
| Wholesale funding | 24.63% (p96 of band) | |
| FHLB advances / assets | 22.15% | |
| Tier 1 leverage | 11.89% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -31.33% (p12 of band) | -8.10% |
| AOCI / equity | 3.29% (p99 of band) | |
| ROA (annualized) | 0.69% (p17 of band) | 1.28% |
| Net interest margin | 2.42% (p3 of band) | 3.91% |
| Efficiency ratio | 79.00% (p88 of band) | |
| Noncurrent loans | 1.51% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p88 of band) | |
| Reserve coverage of noncurrent | 77.04% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 0.52% (p4 of band) | |
| Auto loans | $2.0M (0.69% of loans; DQ 2.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 74 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 3 | NIM <2.5% | reserve under noncurrent |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | brokered >10% |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | NIM <2.5% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | reserve under noncurrent |  |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | uninsured deposits leaving |  |
| 2016-06 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | brokered >10% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | brokered >10% |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 4 | loans exceed deposits, noncurrent p90 |  |
| 2019-12 | 5 | deposits shrinking |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 3 |  | loans exceed deposits, deposits shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | capital falling, NIM <2.5% |  |
| 2021-06 | 4 |  | capital falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | capital falling |  |
| 2022-03 | 4 |  | capital falling |
| 2022-06 | 6 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 7 | loans exceed deposits |  |
| 2023-03 | 8 | charge-offs p90, deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 8 |  |  |
| 2023-09 | 6 | uninsured deposits leaving | loans exceed deposits, charge-offs p90, deposits shrinking |
| 2023-12 | 5 | losing money | reserve under noncurrent, uninsured deposits leaving |
| 2024-03 | 4 |  | losing money |
| 2024-06 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 7 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 6 |  | capital falling |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 | expense ratio p90, deposits shrinking | noncurrent p90, uninsured deposits leaving |
| 2026-03 | 6 | charge-offs p90 | expense ratio p90 |
| 2026-06 | 5 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-16 [FAIRFIELD NATIONAL BANK CLEARED OF FEDERAL ENFORCEMENT ACTION - wfiwradio.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOVVZRWTlXc3FnRmhzbFVGWlh3OG5UX2RvRWZpSjJ5eE4zM3VIN2w0ZFNBckdHaDZ6RlRjdEl4Y0VYa05uOG9nRTg1QnJ3Y1NXdXd3djdnYnBMVUtRNTJZMktiM1NTbTY4cFBwLVdCN1N2OFJXT25HbjVPNUZPLVg2VTdXSVZ3T0hacGcxaldzb2N0RDBxeEctOThVRndjQ3Fv?oc=5) · wfiwradio.com
- 2025-06-10 [Brenda LaVon (Clevenger) Gill Obituary | Johnson and Vaughn Funeral Home, Inc. | Fairfield, IL - Tribute Archive](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUHEta3dVM01QWmQ5MC1TYk5LM2NyQTdVUW03ZTJIY1VuUFNqeFVGckFVY1QybHF3MjBVc1N3bmtRYzdqQmVrbU5vMG80VDk1N1pjMFJaUGdFVDV4RE9DMFpFT3NLNkJic0RwUTVVSkNMaHNJeUdENU1BZzNhM2d4bVVERTdUZEU?oc=5) · Tribute Archive
- 2026-01-27 [FARM FINANCE FORUM RETURNS TO WAYNE COUNTY FEBRUARY 6TH - wfiwradio.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxObFVCYmx2amlmQmpqVGlpWUlmRUxwQ3pid0lzUFdBSWRBUHFHUEJzamMweDFyNUsyRmdYdmM5RXBTcGtIWjFsYW9oblJJQ1lHTGxaeUJEdDE0Q21ad2t6ZHREOVdmVlhJLUt1OHdqS21lcEIyaUFfUWduUmp1XzZaQjRXMWFGc3JoLU5yWDhaWU1iUkpJREhIRTUyRQ?oc=5) · wfiwradio.com
- 2018-06-11 [BANKER REPENTS $1 MILLION THEFT; Fairfield, Ill., Is Shocked by ‘Little Sin That Snowballed’ (Published 1964) - The New York Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxOY1oyS3lQRWpaY1ZWbDZFTW90a094MHg3UUVBcDdPcEJyMkdWZ3lNdUFxZHBkXzdoZzQ0MHg0WExYdlVZbV9yckNkNU0zeEpILWxJSlp3TkgybGJUYmdXVlpxTFNVOEY3X08xa1dwZVZ6emo4ZFQ4THFEeFVYU2N0dVZiXzRJVklfUEhQUnp5bDNjRUxVWDNUNFRFYmVlei05X2ZjeXRPdHliRDMxYkNiRElwZ3Q?oc=5) · The New York Times
- 2026-05-15 [FAIRFIELD LIONS CLUB HOSTS 3RD ANNUAL CAR SHOW TOMORROW (SATURDAY) - wfiwradio.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWFVKOERqV0FGVGxzY0wybG1OQldhaVBoX21maTJ3Q3pjNVRWUExlY2dZYTJnQVlZLTZJanVkVFF4djE5QWhfWGxWX2t4SmZQREozR0FXVWo0S1ZhWnNsbHRsNU04bVdRZWxhRDB0VEtScWJGNlhKT1JiYUhWNGdxeER1X0lQbElJS1dUWkNrdDl2aHFnc0ZJLTVNaGhDZ3d3dVVNNg?oc=5) · wfiwradio.com
- 2026-04-10 [FAIRFIELD COMMUNITY HIGH SCHOOL CLASS OF 2026 PROM SET FOR SATURDAY AT ELKS LODGE - wfiwradio.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPdzNVeVJSWktPSVRRZWVqS3Jfc3VVcURhSExlVjg2TnZKWWNXcVFibUQ0dGdMQXpaN3RxUDdhZW55UTdValZ5NXE5ODFPcU9iX3B2aGNNYmZaRzc4eTNmeXJWeUhRWjBWTFh5U3VObGpLOWFFUDBSOU10dmJQbnI2UWJVS3Y1RjEybDJxd1NaZ25xQURyeWRrMnZ1UlpJZndwbDg1ZVRqbm9TRlhNLWlzcURXMmdHRFp4ZjY4YUF3?oc=5) · wfiwradio.com
- 2026-06-26 [SPORTS FOR FRIDAY, JUNE 26TH - wfiwradio.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE1sakxOZ052alhLeU5ZVnV6b2c4cjJXQ2VMUlBIRWFtVEh6WTBvZVBQeUk5UnNtbUJUX3R0MEhqOXFYV1lta3VET3UybUNtTF9zZ253NWxUSldLd2tKVTNSYTlERzY4Wmd2LWdaTE5seWpyN1E?oc=5) · wfiwradio.com
- 2025-08-13 [WAYNE COUNTY PROPERTY TAX BILLS SENT OUT IN THE MAIL - wfiwradio.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRkE1VmJENFRvNkdpX3hhMHRZQ3NmOVRFVTczaU5uNVoyakZwbEpJNXg1OHd0V0dUY0ItSk1fTjNodmd1Q2RVNnlaZ1NTcGZuQlFvLTBWUWp2NV9sYzRKNVM3bm9JWDE4N0JlSXlwcGdEeU1GUHFyNndVUjRPRWJvdDNBX2xYc3N5d1Jlak91aHA1Z2dX?oc=5) · wfiwradio.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3792 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "3792", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide