First Federal Savings and Loan Association of Lakewood
Lakewood, OH · Cert 29488 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 20 branches (26 in holding)
Q2 2026
$2.9BAssets
$2.4BLoans
$2.2BDeposits
$234.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 66 of 258).
- Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating in a single state (rank 253 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.57%
Rank 235 of 258
Net Interest Margin
2.14%
Rank 253 of 258
Efficiency Ratio
87.56%
Rank 248 of 257
Equity / Assets
7.97%
Rank 237 of 258
Non-interest income vs. expense
Unfavorable gap of $53.5M · efficiency ratio beats 4% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.93% | 1.23% | 1.54% | Beats 9% | 235 / 258 | | |
| Return on Equity | 7.15% | 9.26% | 11.84% | 14.74% | Beats 14% | 221 / 258 | | |
| Net Interest Margin | 2.14% | 3.16% | 3.49% | 3.88% | Beats 2% | 253 / 258 | | |
| Efficiency Ratio | 87.56% | 51.71% | 60.30% | 69.65% | Beats 4% | 248 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.19% | 0.46% | 0.90% | Beats 51% | 127 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 75% | 66 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 11.93% | 11.41% | 12.98% | 15.12% | Beats 31% | 178 / 258 | | |
| Total Risk-Based Capital Ratio | 12.92% | 12.10% | 13.91% | 16.08% | Beats 36% | 165 / 258 | | |
| Equity / Assets | 7.97% | 9.09% | 10.24% | 11.72% | Beats 8% | 237 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.57% | 73.24% | 86.34% | 95.95% | 94th pctl | 16 / 258 | | |
| Loans / Assets | 82.34% | 63.01% | 72.27% | 78.40% | 88th pctl | 31 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |