First Federal Savings and Loan Association of Lakewood: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 32.5% lower than in Q1 2026, at $8.7M. Among 156 Ohio banks, First Federal Savings and Loan Association of Lakewood sits 10th from the top on loan-to-deposit ratio, 108.57% as of 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.42B |
| Net loans and leases | $2.40B |
| Loans held for sale | $8.7M |
| Loans to total assets | 82.34% |
| Loan-to-deposit ratio | 108.57% |
| Net loans to equity capital | 10.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.01% |
| Multifamily (5+ residential) | 4.52% |
| Commercial and industrial | 4.08% |
| Consumer | 7.50% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 138.19% |
| Construction concentration (Tier 1 capital + allowance) | 24.49% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.79% |
| Interest income on loans | $29.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.32B | $1.93B | 9.77% | 3.06% | 5.89% |
| Q4 2023 | $2.38B | $2.01B | 10.17% | 3.15% | 6.10% |
| Q1 2024 | $2.40B | $2.04B | 10.09% | 3.56% | 6.23% |
| Q2 2024 | $2.45B | $2.12B | 10.31% | 3.77% | 6.58% |
| Q3 2024 | $2.48B | $2.20B | 11.36% | 3.74% | 6.78% |
| Q4 2024 | $2.48B | $2.22B | 11.49% | 3.58% | 6.99% |
| Q1 2025 | $2.47B | $2.24B | 11.57% | 3.62% | 7.24% |
| Q2 2025 | $2.47B | $2.11B | 11.41% | 3.29% | 7.47% |
| Q3 2025 | $2.42B | $2.17B | 12.75% | 3.38% | 7.60% |
| Q4 2025 | $2.41B | $2.18B | 12.93% | 3.69% | 7.54% |
| Q1 2026 | $2.41B | $2.18B | 13.02% | 3.82% | 7.46% |
| Q2 2026 | $2.42B | $2.23B | 13.01% | 4.08% | 7.50% |
First Federal Savings and Loan Association of Lakewood loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Lakewood, freeSource: Call Report Schedule RC-C, 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)