First Federal Savings and Loan Association of Lakewood: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio dropped 1.91 percentage points in Q2 2026, from 110.47% to 108.57%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Savings and Loan Association of Lakewood ranks 10th highest among the 156 banks headquartered in Ohio, at 108.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Federal Savings and Loan Association of Lakewood sits 20.37 points higher, at 108.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $190.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $350.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $450.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.57% |
| Net loans and leases to deposits | 107.70% |
| Loans and leases to core deposits | 116.23% |
| Core deposits to total deposits | 84.66% |
| Brokered deposits to total deposits | 8.74% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 119.81% | 92.99% | $0 | $550.0M |
| Q4 2023 | 118.12% | 91.91% | $0 | $550.0M |
| Q1 2024 | 117.81% | 90.14% | $0 | $600.0M |
| Q2 2024 | 115.35% | 86.24% | $0 | $575.0M |
| Q3 2024 | 113.07% | 83.56% | $0 | $575.0M |
| Q4 2024 | 111.33% | 85.05% | $0 | $510.0M |
| Q1 2025 | 110.60% | 82.04% | $0 | $505.0M |
| Q2 2025 | 116.72% | 85.41% | $0 | $580.0M |
| Q3 2025 | 111.60% | 86.56% | $0 | $480.0M |
| Q4 2025 | 110.53% | 85.18% | $0 | $480.0M |
| Q1 2026 | 110.47% | 83.91% | $0 | $480.0M |
| Q2 2026 | 108.57% | 84.66% | $0 | $450.0M |
First Federal Savings and Loan Association of Lakewood liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Lakewood, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings and Loan Association of Lakewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29488) · FFIEC NIC profile (RSSD 318974)