This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Lancaster, OH
Health score
68.7
Total assets
$281.5M
Bank
Galion, OH
Health score
64.3
Total assets
$282.9M
Answer first
Fairfield Federal Savings and Loan Association of Lancaster leads on financial health and profitability and lending quality and growth; First Federal Bank of Ohio leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Fairfield Federal Savings and Loan Association of Lancaster
Higher TFS health score
Capitalization
First Federal Bank of Ohio
Higher comparable capital ratio
Profitability
Fairfield Federal Savings and Loan Association of Lancaster
Higher return on assets
Lending quality
Fairfield Federal Savings and Loan Association of Lancaster
Lower problem-loan measure
Growth
Fairfield Federal Savings and Loan Association of Lancaster
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Fairfield Federal Savings and Loan Association of Lancaster | First Federal Bank of Ohio |
|---|---|---|
| TFS health score | 68.7/100Leads | 64.3/100 |
| Total assets | $281.5M | $282.9M |
| Total deposits / shares | $247.4M | $231.2M |
| Tier 1 capital ratio | 11.82% | 13.68%Leads |
| Return on assets | 0.45%Leads | 0.35% |
| Return on equity | 3.85% |
Fairfield Federal Savings and Loan Association of Lancaster
3 branches
First Federal Bank of Ohio
9 branches
Both institutions report branches in 1 state: OH.
Fairfield Federal Savings and Loan Association of Lancaster
Unavailable
First Federal Bank of Ohio
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Fairfield Federal Savings and Loan Association of Lancaster
0 in TFS registry
First Federal Bank of Ohio
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Fairfield Federal Savings and Loan Association of Lancaster score | Fairfield Federal Savings and Loan Association of Lancaster ROA | First Federal Bank of Ohio score | First Federal Bank of Ohio ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.17% | — | 0.12% |
| 2024-Q4 | — | 0.18% | — | 0.13% |
| 2025-Q1 | — | 0.29% | — | 0.02% |
| 2025-Q2 | — | 0.39% | — | -0.26% |
| 2025-Q3 | — | 0.41% | — | -0.03% |
| 2025-Q4 | — | 0.42% | — | 0.06% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 2.45% |
| Non-performing loans | 0.18%Leads | 0.93% |
| Net charge-offs | -0.01%Leads | 0.00% |
| Efficiency ratio | 82.60%Leads | 89.15% |
| Loan-to-deposit ratio | 99.22% | 52.04% |
| Asset growth (YoY) | 1.53%Leads | 0.09% |
| Deposit / share growth (YoY) | 1.28%Leads | -3.17% |
| Branches | 3 | 9 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 70.5/100 |
| 0.37% |
| 65.5/100 |
| 0.30% |
| 2026-Q2 | 68.7/100 | 0.45% | 64.3/100 | 0.35% |