Bank Comparison
First Federal Savings and Loan Association of Lorain vs Buckeye State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 11
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Lorain | Buckeye State Bank |
|---|---|---|
| CET1 Ratio | 20.10% | 11.91% |
| Tier 1 Capital Ratio | 20.10% | 11.91% |
| Total Capital Ratio | 20.74% | 12.75% |
| Tier 1 Leverage Ratio | 10.43% | 8.46% |
| Equity / Assets | 9.37% | 9.46% |
Profitability
| Metric | First Federal Savings and Loan Association of Lorain | Buckeye State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.08% | 0.53% |
| Return on Equity (ROE) | 0.90% | 5.48% |
| Net Interest Margin (NIM) | 2.19% | 3.44% |
| Yield on Earning Assets | 4.34% | 5.72% |
| Cost of Funds | 2.28% | 2.25% |
Asset quality
| Metric | First Federal Savings and Loan Association of Lorain | Buckeye State Bank |
|---|---|---|
| Texas Ratio | 6.41% | 1.94% |
| Non-Performing Loan Ratio | 0.75% | 0.23% |
| Non-Performing Asset Ratio | 0.61% | 0.14% |
| Net Charge-Off Ratio | -0.03% | 0.18% |
| ACL / Loans | 0.41% | 0.90% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Lorain | Buckeye State Bank |
|---|---|---|
| Total Assets | $567,257K | $548,430K |
| Total Deposits | $500,238K | $465,685K |
| Total Loans | $457,012K | $330,874K |
| Total Equity | $53,141K | $51,865K |
| Net Income (quarter) | $120 | $708 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Lorain | Buckeye State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.36% | 71.05% |
| Core Deposit Ratio | 94.70% | 94.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Lorain | Buckeye State Bank |
|---|---|---|
| Headquarters City | LORAIN | POWELL |
| Headquarters State | OH | OH |
| Asset Tier | Medium | Medium |
| Charter Class | 704171 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 78 | 64 |
| Established | Jan. 1, 1921, midnight | Jan. 1, 1885, 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.
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