BlastPoint's Banking Scorecard

First Federal Savings and Loan Association of Lakewood

$1B-$10B Specialty: Mortgage OH FDIC cert 29488

Lakewood, OH

20 branches across OH

884 banks in the $1B-$10B peer group nationally 28 in OH

First Federal Savings and Loan Association of Lakewood has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.1% in tier
- Net Interest Margin 1.52% below tier average
- Efficiency Ratio 26.86% above tier average
- ROA 0.49% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$2.9B -2.7% YoY +0.3% QoQ	+$101.3M	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$2.4B -2.7% YoY +0.1% QoQ	+$424.2M	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$2.2B -2.6% YoY +0.2% QoQ	-$163.0M	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	0.88% +220.6% YoY +683.0% QoQ	-0.49%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	2.30% +8.3% YoY +2.7% QoQ	-1.52%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.5% in tier
Efficiency Ratio ?	87.92% +2.4% YoY +2.5% QoQ	+26.86%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 3.8% in tier
Delinquency Rate ?	0.45% -41.2% YoY +1.2% QoQ	-0.44%	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	109.57% -0.1% YoY -0.1% QoQ	+25.37%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 4.4% in tier
Non-Interest-Bearing Deposit Share ?	12.75% +2.5% YoY -9.3% QoQ	-8.54%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.38% -39.8% YoY +3.3% QoQ	-0.30%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	12.18% +3.5% YoY +2.0% QoQ	-2.98%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.09% +9.7% YoY -75.3% QoQ	-0.17%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#105 of 334 • Bottom 31.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 109.57%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

854

Net Interest Margin

profitability

Value: 2.30%

Peer Median: 3.82%

#854 of 884 Bottom 3.5% in $1B-$10B

851

Efficiency Ratio

profitability

Value: 87.92%

Peer Median: 61.06%

#851 of 884 Bottom 3.8% in $1B-$10B

846

Loan-to-Deposit Ratio

liquidity

Value: 109.57%

Peer Median: 84.20%

#846 of 884 Bottom 4.4% in $1B-$10B

717

Non-Interest-Bearing Deposit Share

funding

Value: 12.75%

Peer Median: 21.29%

#717 of 884 Bottom 19.0% in $1B-$10B

668

Return on Assets

profitability

Value: 0.88%

Peer Median: 1.37%

#668 of 884 Bottom 24.5% in $1B-$10B