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BreadRoute Review
The Fairfield National Bank
3.0Our The Fairfield National Bank Review
The Fairfield National Bank is a community bank founded in 1903, serving small-market Illinois communities including Fairfield, Grayville, and Wayne City. For business borrowers, it offers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — a practical range for local businesses that prefer a community banking relationship. One material consideration: in 2024, the Office of the Comptroller of the Currency issued a Formal Agreement against the bank, a regulatory enforcement action that typically requires corrective improvements in operations or compliance. Weigh this when comparing lenders.
Who Is The Fairfield National Bank Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- Businesses that need equipment or machinery financing
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
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Other Commercial Bank lenders
The Fairfield National Bank Pros & Cons
Pros
- No minimum credit score requirement
- Wide range of financing products
Frequently Asked Questions
The Fairfield National Bank does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
The Fairfield National Bank offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.
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