BlastPoint

BlastPoint's Banking Scorecard

First Federal Savings and Loan Association of Lakewood

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

Lakewood, OH

21 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits +5.6% year over year ($2.2B on the books).
  • Delinquency rate 0.44%.
  • Return on assets 0.57%.
  • Efficiency ratio 87.56% vs a 59.73% peer average.
  • Loan-to-deposit ratio 107.70% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

First Federal Savings and Loan Association of Lakewood has 1 strength but faces 6 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 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 8.0% in tier
  • - Credit Quality Pressure: Bottom 22.6% in tier
  • - Liquidity Strain: Bottom 41.0% in tier
  • - Return on Assets 0.82% below tier average
  • - Net Interest Margin 1.57% below tier average
  • - Efficiency Ratio 27.83% above tier average
Get updates when First Federal Savings and Loan Association of Lakewood releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $2.9B
+0.1% YoY +0.9% QoQ
+$149.2M $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $2.4B
-1.7% YoY +0.6% QoQ
+$440.1M $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $2.2B
+5.6% YoY +2.3% QoQ
-$87.3M $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.57%
+560.1% YoY -34.5% QoQ
-0.82% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 9.0% in tier
Net Interest Margin ? 2.30%
+5.3% YoY +0.1% QoQ
-1.57% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 2.7% in tier
Efficiency Ratio ? 87.56%
-18.9% YoY -0.4% QoQ
+27.83% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 2.7% in tier
Delinquency Rate ? 0.44%
+11.3% YoY -1.7% QoQ
-0.42% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 107.70%
-7.0% YoY -1.7% QoQ
+22.66% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 5.1% in tier
Non-Interest-Bearing Deposit Share ? 14.89%
+14.8% YoY +16.7% QoQ
-6.39% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.37%
+11.7% YoY -1.9% QoQ
-0.30% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 11.93%
+2.7% YoY -2.1% QoQ
-2.92% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.18%
+6.1% YoY +103.9% QoQ
-0.35% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 14.9%
+1.9pp YoY
+2.1pp QoQ
 -6.5pp 21.4% 18.8% 22.2% 27%
Brokered Deposits 8.7%
+0.2pp YoY
-1.0pp QoQ
 -0.7pp 9.5% 7.7% 8.5% 64%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 4.1%
+0.8pp YoY
+0.3pp QoQ
 -9.9pp 14.0% 10.2% 12.5% 14%
CRE 20.4%
+1.6pp YoY
+0.1pp QoQ
 -29.6pp 50.0% 34.2% 41.4% 4%
1-4 Family 68.9%
-2.3pp YoY
-0.3pp QoQ
 +42.4pp 26.4% 50.0% 31.3% 96%
Consumer 7.6%
0.0pp YoY
0.0pp QoQ
 +2.9pp 4.7% 4.7% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 11.9%
+0.3pp YoY
-0.2pp QoQ
 -3.7pp 15.6% 22.1% 19.7% 22%
Leverage Ratio 8.4%
+0.3pp YoY
0.0pp QoQ
 -2.9pp 11.3% 12.9% 12.6% 4%
Total Capital Ratio 12.9%
+0.3pp YoY
-0.3pp QoQ
 -3.8pp 16.7% 23.2% 20.8% 20%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 255
-4 (-1.5%) YoY
+4 (+1.6%) QoQ
 -59 313 2,433 482 56%
Assets per Employee ($) $11.5M
+1.6% YoY
-0.7% QoQ
 +$1.1M $10.5M $7.6M $8.8M 76%
Branch Count 20
0 YoY
0 QoQ
 -0 20 81 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.6% 1.0% 44%
Allowance Coverage 1.82x
-12.0% YoY
-0.1% QoQ
 -16.89x 18.71x 18.95x 20.23x 45%
Net Charge-off Rate (YTD) -0.5%
-0.5pp YoY
+0.5pp QoQ
 -0.7pp 0.3% 0.1% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 7.3%
+9.0pp YoY
-3.9pp QoQ
 -5.3pp 12.6% 9.7% 11.6% 17%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.7% 1.7% 80%
Net Income ($, YTD) $8.4M
+552.1% YoY
— QoQ
 -$10.9M $19.2M $259.3M $40.4M 32%

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 (3)

Flatlined Growth

risk
#14 of 162 • Bottom 8.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.57%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#112 of 492 • Bottom 22.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.44%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#149 of 361 • Bottom 41.0% 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: 107.70%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

862
Efficiency Ratio
profitability
Value: 87.56%
Peer Median: 59.73%
#862 of 885 Bottom 2.7% in $1B-$10B
862
Net Interest Margin
profitability
Value: 2.30%
Peer Median: 3.87%
#862 of 885 Bottom 2.7% in $1B-$10B
841
Loan-to-Deposit Ratio
liquidity
Value: 107.70%
Peer Median: 85.04%
#841 of 885 Bottom 5.1% in $1B-$10B
806
Return on Assets
profitability
Value: 0.57%
Peer Median: 1.39%
#806 of 885 Bottom 9.0% in $1B-$10B
Powered by BlastPoint © 2026