First Federal Savings and Loan Association of Lakewood: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of Lakewood spends more to run itself than most banks of its size. Based in Lakewood, Ohio, it had $2.9 billion in assets at June 30, 2026. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans fell 1.8% and deposits rose 5.6%. Its margin is thin by comparison: it keeps 2.26 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, First Federal Savings and Loan Association of Lakewood reported a CET1 capital ratio of 11.93%, a return on assets of 0.27%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 4.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 14806 Detroit Ave, Lakewood, OH 44107
- County
- Cuyahoga
- Metro Area
- Cleveland, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 19, 1935
- Offices
- 21 domestic
- Employees (FTE)
- 255
- Domestic deposits
- $2.23B
- Allowance for credit losses
- $19.5M
- Net charge-offs (YTD)
- -$5.8M
- Average total assets
- $2.92B
- Average total loans
- $2.42B
- Average interest-bearing deposits
- $1.91B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29488
- Fed RSSD
- 318974
- SEC CIK
- 1729623 → filed by FIRST MUTUAL HOLDING CO.
- Website
- www.ffl.bank →
- Parent Holding Company
- FIRST MUTUAL HOLDING CO. (RSSD 4843090)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Savings and Loan Association of Lakewood terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Savings and Loan Association of Lakewood, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Savings and Loan Association of Lakewood rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.93% | 0.27% | 0.46% | 4.35% | 2.26% |
| Q1 2026 | 12.18% | 0.88% | 0.51% | 4.46% | 2.25% |
| Q4 2025 | 11.94% | 0.38% | 0.54% | 4.43% | 2.27% |
| Q3 2025 | 11.85% | 0.33% | 0.46% | 4.02% | 2.25% |
| Q2 2025 | 11.62% | -0.53% | 0.45% | 4.16% | 2.23% |
| Q1 2025 | 11.76% | 0.28% | 0.86% | 7.80% | 2.11% |
| Q4 2024 | 11.67% | 0.24% | 0.72% | 6.32% | 2.03% |
| Q3 2024 | 11.71% | 0.12% | 0.74% | 6.54% | 2.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 20 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings and Loan Association of Lakewood (main office) | Lakewood , OH | 44107 | $1.08B |
| Center Ridge Road Branch | North Ridgeville , OH | 44039 | $96.9M |
| 24441 Detroit Road Branch | Westlake , OH | 44145 | $93.8M |
| Walker Road Branch | Avon Lake , OH | 44012 | $92.2M |
| 20425 Center Ridge Road Branch | Rocky River , OH | 44116 | $92.0M |
| Brunswick Branch | Brunswick , OH | 44212 | $86.2M |
| 26624 Lorain Road Branch | North Olmsted , OH | 44070 | $78.1M |
| Westlake Branch | Westlake , OH | 44145 | $75.7M |
| Strongsville Branch | Strongsville , OH | 44136 | $67.6M |
| Avon Branch | Avon , OH | 44011 | $63.9M |
| Olmsted Branch | Olmsted Falls , OH | 44138 | $63.2M |
| 22380 Lorain Road Branch | Fairview Park , OH | 44126 | $61.7M |
| Chagrin Falls Branch | Chagrin Falls , OH | 44022 | $59.2M |
| 6160 Royalton Road Branch | North Royalton , OH | 44133 | $57.7M |
| Parma Branch | Parma , OH | 44134 | $54.2M |
| Crile Lake County Branch | Painesville , OH | 44077 | $52.1M |
| 12648 Rockside Road Branch | Garfield Heights , OH | 44125 | $22.4M |
| Dublin Ohio Branch | Dublin , OH | 43017 | $17.4M |
| Gordon Square Branch | Cleveland , OH | 44102 | $10.2M |
| Cleveland Dave's Midtown | Cleveland , OH | 44103 | $2.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | Structure Change | Acquired First Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 21, 2010 | Structure Change | Acquired Century Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for First Federal Savings and Loan Association of Lakewood, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in OH, rank 23 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,831 applications, 1,189 loans originated, $336.8M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $3.4M approved, $376K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Savings and Loan Association of Lakewood
What are First Federal Savings and Loan Association of Lakewood's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Lakewood reported total assets of $2.94 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Association of Lakewood headquartered?
First Federal Savings and Loan Association of Lakewood is headquartered in Lakewood, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First Federal Savings and Loan Association of Lakewood founded?
First Federal Savings and Loan Association of Lakewood was established in 1935, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Lakewood FDIC-insured?
Yes. First Federal Savings and Loan Association of Lakewood is an FDIC-insured savings institution (FDIC Certificate #29488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association of Lakewood?
First Federal Savings and Loan Association of Lakewood's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings and Loan Association of Lakewood's CET1 capital ratio?
First Federal Savings and Loan Association of Lakewood reported a Common Equity Tier 1 (CET1) capital ratio of 11.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Federal Savings and Loan Association of Lakewood operate?
First Federal Savings and Loan Association of Lakewood operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings and Loan Association of Lakewood's Texas Ratio?
First Federal Savings and Loan Association of Lakewood's Texas Ratio is 4.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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