Third Federal Savings & Loan Association of Cleveland
Cleveland, OH · Cert 30012 · Peer group: banks over $10B in assets (n=142-144) · Third FS&LA of Cleveland MHC
State savings bank · OCC · 35 branches
Q2 2026
$18.1BAssets
$16.3BLoans
$10.2BDeposits
$1.8BEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 93% of banks over $10B in assets (rank 11 of 142).
- Widest gap: net interest margin trails 95% of banks over $10B in assets (rank 137 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.59%
Rank 136 of 144
Net Interest Margin
1.77%
Rank 137 of 144
Efficiency Ratio
60.65%
Rank 103 of 144
Equity / Assets
9.91%
Rank 99 of 144
Non-interest income vs. expense
Unfavorable gap of $180.3M · efficiency ratio beats 29% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 1.00% | 1.26% | 1.54% | Beats 6% | 136 / 144 | |
| Return on Equity | 5.97% | 8.98% | 11.34% | 14.40% | Beats 8% | 133 / 144 | |
| Net Interest Margin | 1.77% | 2.82% | 3.31% | 3.68% | Beats 5% | 137 / 144 | |
| Efficiency Ratio | 60.65% | 49.42% | 56.02% | 62.41% | Beats 29% | 103 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.48% | 0.73% | 1.07% | Beats 89% | 17 / 142 | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.11% | 0.22% | Beats 93% | 11 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 15.73% | 12.07% | 12.98% | 14.92% | Beats 83% | 25 / 144 | |
| Total Risk-Based Capital Ratio | 16.65% | 13.39% | 14.14% | 16.25% | Beats 80% | 29 / 144 | |
| Equity / Assets | 9.91% | 9.69% | 11.39% | 12.96% | Beats 31% | 99 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 159.75% | 75.72% | 84.92% | 91.56% | 99th pctl | 2 / 143 | |
| Loans / Assets | 90.07% | 59.83% | 69.07% | 74.80% | 99th pctl | 1 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |