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
Unfavorable gap of $11.5M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.08% | 0.72% | 1.06% | 1.45% | Beats 4% | 714 / 746 | |
| Return on Equity | 0.82% | 6.74% | 10.51% | 13.63% | Beats 5% | 708 / 746 | |
| Net Interest Margin | 2.09% | 3.17% | 3.68% | 4.16% | Beats 3% | 724 / 746 | |
| Efficiency Ratio | 96.02% | 55.74% | 64.58% | 75.47% | Beats 4% | 718 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 363 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.68% | 11.55% | 13.75% | 17.60% | Beats 82% | 134 / 746 | |
| Total Risk-Based Capital Ratio | 20.34% | 11.71% | 14.33% | 18.43% | Beats 82% | 138 / 746 | |
| Equity / Assets | 9.29% | 8.90% | 10.51% | 13.06% | Beats 30% | 519 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 94.25% | 61.31% | 78.27% | 90.78% | 82nd pctl | 133 / 746 | |
| Loans / Assets | 82.09% | 53.60% | 66.97% | 76.08% | 90th pctl | 76 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |