PackageTrendsPeer
Letter portraitLegal landscape

First Federal Savings and Loan Association of Lorain

Lorain, OH · Cert 29838

State savings bank · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Savings and Loan Association of Lorain

Lorain, OH · Cert 29838

State savings bank · OCC · 6 branches

Q2 2026

$573.8MAssets
$471.0MLoans
$499.8MDeposits
$53.3MEquity
Loan mix
100%RE $456.4M0%C&I $0.1M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $461.0M8%Noninterest $38.7MQ2 2025Q2 2026

NIM

3.35%Q2 ’243.68%Q2 ’254.10%Q2 ’26+52%+25%

Non-interest income vs. expense

2.56%Q2 ’242.38%Q2 ’252.34%Q2 ’26-10%+2%

Market Position · Cleveland, OH · 2026 SOD (annual) · 0.3% share · #19 of 35 inst. · $0.4B of $136.4B

6.2% Lorain
3.2% Erie
2.7% Ottawa

Executive Summary

  • Earnings: ROA of 0.08%, up 26 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.41% of loans (-16 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 10.36%, down 93 bps from a year ago.
  • Funding: loans stand at 94.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.08%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+42 bps YoY

Efficiency Ratio (YTD, annualized)

96.02%-1,753 bps YoY

Tier 1 Leverage Ratio

10.36%-93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.19%-0.12%-0.07%0.08%0.08%+26 bps
Return on Equity-1.89%-1.18%-0.70%0.90%0.82%+271 bps
Net Interest Margin1.67%1.69%1.74%2.09%2.09%+42 bps
Efficiency Ratio113.56%108.44%105.40%95.90%96.02%-1,753 bps
Non-Interest Burden1.95%1.87%1.86%1.99%1.99%+4 bps
Growth
Asset Growth (YoY)2.06%9.94%14.26%11.73%7.82%+575 bps
Loan Growth (YoY)11.90%25.13%29.39%26.68%21.12%+921 bps
Deposit Growth (YoY)9.20%19.51%22.28%19.32%9.33%+13 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.42%0.42%0.43%0.41%-16 bps
Net Charge-Offs / Loans-0.05%-0.05%-0.04%-0.03%-0.05%0 bps
Allowance / Loans0.43%0.40%0.40%0.41%0.42%-1 bps
Allowance Coverage of NPLs0.7x0.9x1.0x0.9x1.0x+0.3x
Capital
Tier 1 Leverage Ratio11.29%10.80%10.59%10.43%10.36%-93 bps
Total Risk-Based Capital23.02%21.29%20.93%20.74%20.34%-268 bps
Equity / Assets9.64%9.29%9.25%9.37%9.29%-35 bps
Liquidity & Funding
Loans / Deposits85.08%89.10%88.66%91.36%94.25%+917 bps
Liquid Assets / Assets5.92%3.96%3.35%1.19%0.76%-516 bps
CRE / Total Capitaln/a23.56%22.86%17.52%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Savings and Loan Association of Lorain

Lorain, OH · Cert 29838 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 6 branches

Q2 2026

$573.8MAssets
$471.0MLoans
$499.8MDeposits
$53.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 82% of banks under $1B in assets operating in a single state (rank 134 of 746).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets operating in a single state (rank 724 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.08%

Rank 714 of 746

Net Interest Margin

2.09%

Rank 724 of 746

Efficiency Ratio

96.02%

Rank 718 of 746

Equity / Assets

9.29%

Rank 519 of 746

Non-interest income vs. expense

$2.0M$13.5MINCOMEEXPENSE
Unfavorable gap of $11.5M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state
Bank 96.02%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.08%0.72%1.06%1.45%Beats 4%714 / 746
Return on Equity0.82%6.74%10.51%13.63%Beats 5%708 / 746
Net Interest Margin2.09%3.17%3.68%4.16%Beats 3%724 / 746
Efficiency Ratio96.02%55.74%64.58%75.47%Beats 4%718 / 746
Asset Quality
Nonperforming Loans / Loans0.41%0.09%0.42%1.07%Beats 51%363 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 68%242 / 743
Capital
Tier 1 Capital Ratio19.68%11.55%13.75%17.60%Beats 82%134 / 746
Total Risk-Based Capital Ratio20.34%11.71%14.33%18.43%Beats 82%138 / 746
Equity / Assets9.29%8.90%10.51%13.06%Beats 30%519 / 746
Liquidity & Funding
Loans / Deposits94.25%61.31%78.27%90.78%82nd pctl133 / 746
Loans / Assets82.09%53.60%66.97%76.08%90th pctl76 / 746
Brokered Deposits / Depositsn/aNot reported for this institution