First Federal Savings and Loan Association of Lorain
Lorain, OH·RSSD 144678·FDIC 29838·bank:144678·Risk-based ratios where reported
- #50 of 160Total assets in Ohio
- 6offices
- 79employees
- #7 of 149Loan growth in Ohio
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at First Federal Savings and Loan Association of Lorain
5 of 23 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter2.18%peers 1.80%+39 bps
First Federal Savings and Loan Association of Lorain's cost of deposits has not eased the way it has at similar banks, while more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.18% | 1.80% | +39 bps |
| Time deposits' share of deposits | ||
| 57.6% | 30.1% | +27.5 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Federal Savings and Loan Association of Lorain itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity94.3%+9.2 pp in 12 months
First Federal Savings and Loan Association of Lorain's loans rose to 94.3% of deposits, 9.2 percentage points higher than a year earlier, while cash fell to 1.7% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 94.3% | +9.2 pp in 12 months |
| Cash / assets | |
| 1.7% | -5.2 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Federal Savings and Loan Association of Lorain itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter96.1%peers 60.8%+35.4 pp
First Federal Savings and Loan Association of Lorain's efficiency ratio fell 10.7 percentage points over the past year to 96.1%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 96.1% | 60.8% | +35.4 pp |
| 12-month change | ||
| -10.7 pp | -2.1 pp | -8.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Federal Savings and Loan Association of Lorain itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on CDs rising while the peer median fallsFunding
- Deposit costs rising while the peer median fallsFunding
Key facts
- First Federal Savings and Loan Association of Lorain is a bank headquartered in Lorain, Ohio. It reported $574 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $500 million, up 9.3% from a year earlier, and loans totaled $471 million, up 21.1%.
- Its net interest margin was 2.30% and its annualized return on assets was 0.07% for the quarter.
- Its cost of all deposits was 2.18%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First Federal Savings and Loan Association of Lorain's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- First Federal Savings and Loan Association of Lorain · Bank
- Federal Reserve RSSD
- 144678
- FDIC certificate
- 29838
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Federal Savings and Loan Association of Lorain itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $98K | — | |
| $5.92M | — | |
| $2.87M | — | |
| $3.05M | — | |
| $481K | — | |
| $3.39M | — | |
| $38K | — | |
| $38K | — | |
| 0.07% | 0.07%ROAQ · Quarter | |
| 2.30% | 2.29%NIMYQ · Quarter | |
| 96.15% | 96.15%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.