BlastPoint's Banking Scorecard

First Federal Savings and Loan Association of Lorain

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

Designations: ✓ Mutual

Lorain, OH

6 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in 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 0.45% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.8% in tier
- Return on Assets 1.18% below tier average
- Net Interest Margin 1.68% below tier average
- Efficiency Ratio 30.61% above tier average
- Non-Interest-Bearing Deposit Share 14.13% below tier average

Get updates when First Federal Savings and Loan Association of Lorain releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$567.3M +11.7% YoY -1.0% QoQ	+$181.2M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$455.2M +26.8% YoY +1.8% QoQ	+$199.4M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$500.2M +19.3% YoY -1.2% QoQ	+$172.3M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	0.08% +127.6% YoY +224.9% QoQ	-1.18%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 4.3% in tier
Net Interest Margin ?	2.25% +29.9% YoY +13.9% QoQ	-1.68%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 1.5% in tier
Efficiency Ratio ?	95.90% -21.0% YoY -9.0% QoQ	+30.61%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 3.6% in tier
Delinquency Rate ?	0.44% -28.3% YoY +3.8% QoQ	-0.45%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	90.99% +6.2% YoY +3.0% QoQ	+14.35%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	7.89% -19.9% YoY +3.5% QoQ	-14.13%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 7.0% in tier
Nonperforming Asset Ratio ?	0.35% -18.6% YoY +6.7% QoQ	-0.29%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	20.10% -15.8% YoY -1.0% QoQ	+4.27%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Top 13.1% in tier
Non-Interest Income / Assets ?	0.09% -15.3% YoY -76.5% QoQ	-0.19%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	46%

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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 Overhang

risk

#162 of 739 • Bottom 21.8% 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: 20.10%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.99%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

350

Tier 1 Capital Ratio

capital

Value: 20.10%

Peer Median: 15.83%

#350 of 2664 Top 13.1% in $100M-$1B

402

Total Loans

size

Value: $455.16M

Peer Median: $255.72M

#402 of 2664 Top 15.1% in $100M-$1B

542

Total Deposits

size

Value: $500.24M

Peer Median: $327.97M

#542 of 2664 Top 20.3% in $100M-$1B

590

Total Assets

size

Value: $567.26M

Peer Median: $386.08M

#590 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (5 metrics)

2626

Net Interest Margin

profitability

Value: 2.25%

Peer Median: 3.93%

#2626 of 2664 Bottom 1.5% in $100M-$1B

2570

Efficiency Ratio

profitability

Value: 95.90%

Peer Median: 65.29%

#2570 of 2664 Bottom 3.6% in $100M-$1B

2550

Return on Assets

profitability

Value: 0.08%

Peer Median: 1.27%

#2550 of 2664 Bottom 4.3% in $100M-$1B

2478

Non-Interest-Bearing Deposit Share

funding

Value: 7.89%

Peer Median: 22.02%

#2478 of 2664 Bottom 7.0% in $100M-$1B

2065

Loan-to-Deposit Ratio

liquidity

Value: 90.99%

Peer Median: 76.64%

#2065 of 2664 Bottom 22.5% in $100M-$1B