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First Federal Savings and Loan Association of Lorain

$100M-$1B Specialty: Mortgage OH FDIC cert 29838

Designations: ✓ Mutual

Lorain, OH

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +9.3% year over year ($499.8M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 0.08%.
  • Efficiency ratio 96.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.86% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

First Federal Savings and Loan Association of Lorain has 1 strength but faces 5 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 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 22.0% in tier
  • - Return on Assets 1.25% below tier average
  • - Net Interest Margin 1.72% below tier average
  • - Efficiency Ratio 31.54% above tier average
  • - Non-Interest-Bearing Deposit Share 14.28% below tier average
Get updates when First Federal Savings and Loan Association of Lorain releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $573.8M
+7.8% YoY +1.2% QoQ
+$187.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $469.1M
+21.1% YoY +3.1% QoQ
+$210.7M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 14.2% in tier
Total Deposits ? $499.8M
+9.3% YoY -0.1% QoQ
+$173.0M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 0.08%
+140.8% YoY -9.4% QoQ
-1.25% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 4.1% in tier
Net Interest Margin ? 2.27%
+22.5% YoY +0.7% QoQ
-1.72% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 1.5% in tier
Efficiency Ratio ? 96.02%
-15.4% YoY +0.1% QoQ
+31.54% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 3.0% in tier
Delinquency Rate ? 0.41%
-28.5% YoY -6.1% QoQ
-0.51% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 93.86%
+10.8% YoY +3.2% QoQ
+15.91% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 7.75%
-8.9% YoY -1.7% QoQ
-14.28% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 6.5% in tier
Nonperforming Asset Ratio ? 0.33%
-19.6% YoY -4.3% QoQ
-0.33% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 19.68%
-12.1% YoY -2.1% QoQ
+3.77% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 14.5% in tier
Non-Interest Income / Assets ? 0.17%
-17.3% YoY +90.8% QoQ
-0.39% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
42%

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 7.8%
-0.8pp YoY
-0.1pp QoQ
 -14.4pp 22.1% 18.8% 22.2% 6%
Brokered Deposits 19.9%
+10.1pp YoY
0.0pp QoQ
 +12.1pp 7.9% 7.7% 8.5% 90%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 0.0%
0.0pp YoY
0.0pp QoQ
 -11.5pp 11.6% 10.2% 12.5% 0%
CRE n/a n/a 39.5% 34.2% 41.4% n/a
1-4 Family 98.8%
+1.7pp YoY
+0.9pp QoQ
 +66.2pp 32.6% 50.0% 31.3% 100%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.7% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 19.7%
-2.7pp YoY
-0.4pp QoQ
 +0.9pp 18.8% 22.1% 19.7% 76%
Leverage Ratio 10.4%
-0.9pp YoY
0.0pp QoQ
 -1.8pp 12.2% 12.9% 12.6% 38%
Total Capital Ratio 20.3%
-2.7pp YoY
-0.4pp QoQ
 +0.4pp 19.9% 23.2% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 79
+5 (+6.8%) YoY
+1 (+1.3%) QoQ
 +20 58 2,433 482 76%
Assets per Employee ($) $7.3M
+1.0% YoY
-0.1% QoQ
 -$255K $7.5M $7.6M $8.8M 57%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 35%
Nonaccrual 0.4%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 44%
Allowance Coverage 1.03x
+37.5% YoY
+10.2% QoQ
 -23.12x 24.15x 18.95x 20.23x 28%
Net Charge-off Rate (YTD) -0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 0.8%
+2.7pp YoY
-0.1pp QoQ
 -11.4pp 12.2% 9.7% 11.6% 4%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 80%
Net Income ($, YTD) $218,000
+145.4% YoY
— QoQ
 -$2.3M $2.6M $259.3M $40.4M 5%

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 Overhang

risk
#164 of 742 • Bottom 22.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.68%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.86%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

376
Total Loans
size
Value: $469.07M
Peer Median: $258.35M
#376 of 2643 Top 14.2% in $100M-$1B
383
Tier 1 Capital Ratio
capital
Value: 19.68%
Peer Median: 15.91%
#383 of 2643 Top 14.5% in $100M-$1B
536
Total Deposits
size
Value: $499.76M
Peer Median: $326.73M
#536 of 2643 Top 20.2% in $100M-$1B
571
Total Assets
size
Value: $573.81M
Peer Median: $386.57M
#571 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (5 metrics)

2604
Net Interest Margin
profitability
Value: 2.27%
Peer Median: 3.99%
#2604 of 2643 Bottom 1.5% in $100M-$1B
2566
Efficiency Ratio
profitability
Value: 96.02%
Peer Median: 64.48%
#2566 of 2643 Bottom 3.0% in $100M-$1B
2535
Return on Assets
profitability
Value: 0.08%
Peer Median: 1.32%
#2535 of 2643 Bottom 4.1% in $100M-$1B
2472
Non-Interest-Bearing Deposit Share
funding
Value: 7.75%
Peer Median: 22.03%
#2472 of 2643 Bottom 6.5% in $100M-$1B
2160
Loan-to-Deposit Ratio
liquidity
Value: 93.86%
Peer Median: 77.95%
#2160 of 2643 Bottom 18.3% in $100M-$1B
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