Bank Comparison
First Federal Savings and Loan Association of Lakewood vs National Exchange Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Lakewood | National Exchange Bank and Trust |
|---|---|---|
| CET1 Ratio | 12.18% | — |
| Tier 1 Capital Ratio | 12.18% | — |
| Total Capital Ratio | 13.21% | — |
| Tier 1 Leverage Ratio | 8.38% | 19.53% |
| Equity / Assets | 7.91% | 18.94% |
Profitability
| Metric | First Federal Savings and Loan Association of Lakewood | National Exchange Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.65% |
| Return on Equity (ROE) | 11.22% | 8.84% |
| Net Interest Margin (NIM) | 2.25% | 3.76% |
| Yield on Earning Assets | 4.56% | 5.13% |
| Cost of Funds | 2.40% | 1.69% |
Asset quality
| Metric | First Federal Savings and Loan Association of Lakewood | National Exchange Bank and Trust |
|---|---|---|
| Texas Ratio | 5.07% | 2.81% |
| Non-Performing Loan Ratio | 0.51% | 1.02% |
| Non-Performing Asset Ratio | 0.43% | 0.58% |
| Net Charge-Off Ratio | -0.97% | -0.03% |
| ACL / Loans | 0.82% | 3.10% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Lakewood | National Exchange Bank and Trust |
|---|---|---|
| Total Assets | $2,917M | $2,933M |
| Total Deposits | $2,180M | $2,317M |
| Total Loans | $2,408M | $1,661M |
| Total Equity | $230,757K | $555,430K |
| Net Income (quarter) | $6,380K | $12,266K |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Lakewood | National Exchange Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 110.47% | 71.72% |
| Core Deposit Ratio | 93.62% | 97.42% |
| Uninsured Deposit Ratio | 17.25% | 42.05% |
Identity
| Metric | First Federal Savings and Loan Association of Lakewood | National Exchange Bank and Trust |
|---|---|---|
| Headquarters City | LAKEWOOD | FOND DU LAC |
| Headquarters State | OH | WI |
| Asset Tier | Large | Large |
| Charter Class | 703536 | 13879 |
| Regulator | OCC | OCC |
| Domestic Branches | 20 | 34 |
| Employees (FTE) | 251 | 364 |
| Established | July 19, 1935, midnight | Dec. 20, 1933, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Federal Savings and Loan Association of Lakewood profile | View full National Exchange Bank and Trust profile | Browse all bank comparisons